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$10,793
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$341/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,940/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,007
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$327/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,312/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,952
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$409/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,602
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$478/mo
Today · 4.125%
HK$16,058
baseline
▲ 0.50% · 4.625%
HK$17,035
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,116/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,810
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$457/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,032
−HK$614/mo
Today · 4.125%
HK$20,646
baseline
▲ 0.50% · 4.625%
HK$21,902
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,292/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$588/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$23,982
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,833 · 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).