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$10,588
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$335/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,504/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,779
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$320/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,830/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,706
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$401/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,004/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,135
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$385/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$469/mo
Today · 4.125%
HK$15,753
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,506/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$449/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,764/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,651
−HK$603/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$577/mo
Today · 4.125%
HK$22,348
baseline
▲ 0.50% · 4.625%
HK$23,526
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,696/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,837 · 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).