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$10,364
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$327/mo
Today · 4.125%
HK$11,014
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,028/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,839
−HK$314/mo
Today · 4.125%
HK$12,153
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,306/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$393/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,434/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,836
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,207
−HK$377/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$459/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,358
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,142
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$439/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$17,911
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$589/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$564/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,017 · 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).