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$10,413
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,737
−HK$329/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$674/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,132/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,585
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$316/mo
Today · 4.125%
HK$12,211
baseline
▲ 0.50% · 4.625%
HK$12,854
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,422/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,496
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,885
−HK$395/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,560/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$378/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,306/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,579
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,032
−HK$461/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,436
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$441/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$593/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$567/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,177 · 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).