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$10,321
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$326/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,635
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,936/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,482
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$312/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,204/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,385
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$391/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,778
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,148
−HK$374/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,044/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,449
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,898
−HK$457/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,074
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$438/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$587/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,201/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$563/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,112 · 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).