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$10,511
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$332/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$680/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,694
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$318/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$650/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,650/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,614
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,006
−HK$399/mo
Today · 4.125%
HK$13,405
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$815/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,810/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,032
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$382/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,570
+HK$779/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,582/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$465/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,278/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,371
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$446/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,512/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$598/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,049
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$573/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,469 · 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).