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$10,731
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$339/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,808/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,938
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$324/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,166/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,877
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$407/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,518
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,326
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$390/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,200/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$475/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$455/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,545
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,316
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$610/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,489
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$585/mo
Today · 4.125%
HK$22,650
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,300/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,114 · 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).