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$10,605
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,935
−HK$335/mo
Today · 4.125%
HK$11,270
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,540/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,798
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,114
−HK$321/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,870/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,726
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,122
−HK$402/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,048/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,158
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,537
−HK$385/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$469/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$449/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,683
−HK$603/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,234/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$578/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,579 · 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).