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$10,645
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$337/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$12,001
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,626/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,843
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,160
−HK$322/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,964/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,774
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$404/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,211
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$387/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,903
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$471/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,676/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$451/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,161
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$606/mo
Today · 4.125%
HK$20,363
baseline
▲ 0.50% · 4.625%
HK$21,602
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,726/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,317
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$580/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,653
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,338 · 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).