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$666/mo
▼ 0.25% · 3.875%
HK$10,955
−HK$336/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,978
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,582/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,820
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$321/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,115
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,916/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,749
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,146
−HK$403/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$824/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,098/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,184
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$386/mo
Today · 4.125%
HK$14,950
baseline
▲ 0.50% · 4.625%
HK$15,738
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,900/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$451/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$604/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,560
+HK$1,237/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$579/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,607
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,437 · 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).