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$10,857
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$343/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,076/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,078
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$329/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,462/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,028
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$412/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,690/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,882
−HK$395/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,082
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$481/mo
Today · 4.125%
HK$16,153
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,306/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,909
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,363
−HK$460/mo
Today · 4.125%
HK$17,823
baseline
▲ 0.50% · 4.625%
HK$18,762
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,646/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,150
−HK$618/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,263/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$591/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,624 · 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).