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$10,436
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$330/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,765
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,182/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,610
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$316/mo
Today · 4.125%
HK$12,237
baseline
▲ 0.50% · 4.625%
HK$12,882
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,474/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,523
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$396/mo
Today · 4.125%
HK$13,309
baseline
▲ 0.50% · 4.625%
HK$14,118
+HK$809/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,618/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$379/mo
Today · 4.125%
HK$14,685
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,370/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,611
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,065
−HK$462/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,471
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$442/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$594/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$568/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,172 · 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).