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$10,341
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$326/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$313/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$392/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,990
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,374/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,805
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$376/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,102/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,477
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$457/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$438/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$895/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$588/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,707
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$563/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,151/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,996 · 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).