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$10,391
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$328/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,086/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,560
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$315/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,827
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,370/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,470
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$395/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,872
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,244
−HK$378/mo
Today · 4.125%
HK$14,622
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,244/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$460/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,184
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$441/mo
Today · 4.125%
HK$17,059
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,118/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$591/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,210 · 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).