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$10,364
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$328/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,028/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,839
−HK$313/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,823
−HK$393/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,432/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,835
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$377/mo
Today · 4.125%
HK$14,583
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,166/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,509
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$458/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,141
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$439/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$589/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$21,031
+HK$1,207/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,753
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,310
−HK$564/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,998 · 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).