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$10,657
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$337/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,652/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,856
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$323/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,994/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$404/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$387/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$791/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,920
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$471/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$452/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$606/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,241/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$580/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,879 · 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).