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$10,442
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$330/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,194/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,617
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$316/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,530
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$396/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,940
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$379/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,263
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$443/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$903/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,380
−HK$594/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,470
−HK$569/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,201
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,427 · 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).