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$10,218
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,536
−HK$323/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,718/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,367
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$309/mo
Today · 4.125%
HK$11,981
baseline
▲ 0.50% · 4.625%
HK$12,613
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,962/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,261
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$387/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,641
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,007
−HK$371/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,305
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$452/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,914
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$433/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,964
−HK$581/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,190/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$556/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,215 · 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).