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$10,324
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$327/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,944/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,486
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$312/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,212/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$391/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,332/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,783
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$375/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$456/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,080
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$438/mo
Today · 4.125%
HK$16,949
baseline
▲ 0.50% · 4.625%
HK$17,842
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,898/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$587/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,202/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$562/mo
Today · 4.125%
HK$21,791
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,149/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,582/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,270 · 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).