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$10,684
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$338/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,708/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,886
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$324/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$405/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$388/mo
Today · 4.125%
HK$15,033
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$793/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,066/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,422
−HK$473/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,640
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$453/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$608/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,243/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$582/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,188/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,031 · 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).