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$10,587
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$335/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,502/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,778
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$320/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,828/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$402/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$821/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,133
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$385/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$469/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,489
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$449/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,649
−HK$602/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$577/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,779 · 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).