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$10,544
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$333/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,410/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,730
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$319/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$400/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$819/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,892/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,076
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$383/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$466/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$446/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$600/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$574/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,428
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,908 · 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).