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$10,625
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$336/mo
Today · 4.125%
HK$11,292
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,584/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,821
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$321/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,918/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,750
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$403/mo
Today · 4.125%
HK$13,550
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$824/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,100/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,565
−HK$386/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,902/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$470/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$450/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,126
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$605/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,237/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,650/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,848
−HK$578/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,609
+HK$1,183/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,469 · 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).