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$10,613
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$336/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,558/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,807
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$321/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,101
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,736
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,132
−HK$402/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,068/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,168
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$386/mo
Today · 4.125%
HK$14,934
baseline
▲ 0.50% · 4.625%
HK$15,721
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,868/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,858
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$469/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$450/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,698
−HK$604/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$578/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,181/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,936 · 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).