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$10,652
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$337/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,640/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,850
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$322/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,980/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,782
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$404/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,168/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,220
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$387/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$472/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$451/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,770
−HK$606/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$580/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,631 · 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).