The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,538
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$333/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,398/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,724
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$319/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,714/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,646
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,039
−HK$400/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,878/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$383/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,658/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$466/mo
Today · 4.125%
HK$15,679
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,358/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,413
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$446/mo
Today · 4.125%
HK$17,300
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,600/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,559
−HK$600/mo
Today · 4.125%
HK$20,159
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,318/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$574/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,658 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).