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$10,630
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$336/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,592/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,826
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,143
−HK$321/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,928/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,756
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$403/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,112/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$386/mo
Today · 4.125%
HK$14,957
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$789/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,914/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,882
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$470/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,630/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$450/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,900/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$605/mo
Today · 4.125%
HK$20,334
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,668/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$579/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,668 · 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).