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$10,662
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$337/mo
Today · 4.125%
HK$11,330
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,660/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,861
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$323/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,004/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$404/mo
Today · 4.125%
HK$13,596
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,192/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,233
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$387/mo
Today · 4.125%
HK$15,002
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,004/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$471/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$966/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,724/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$452/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,191
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,788
−HK$607/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,635
+HK$1,240/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,350
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,922
−HK$581/mo
Today · 4.125%
HK$22,503
baseline
▲ 0.50% · 4.625%
HK$23,690
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,006/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,067 · 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).