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$10,476
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$332/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,266/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$317/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,571
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$397/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,718/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,985
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$380/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,666
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$464/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,316
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$444/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$596/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$571/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,907 · 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).