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$10,854
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,075
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$328/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$411/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$395/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$480/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$460/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,537
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$617/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$592/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,491 · 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).