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$10,371
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$327/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,042/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,538
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$314/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,445
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$394/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$377/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,519
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$459/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$439/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$590/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$21,045
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$565/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,315 · 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).