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$10,373
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$328/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,046/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,540
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$314/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,447
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$394/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,847
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$377/mo
Today · 4.125%
HK$14,596
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,192/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,522
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$459/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,589
−HK$439/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,056/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$590/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$21,049
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,771
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$565/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,392 · 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).