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$10,444
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$330/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,198/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,619
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$317/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$396/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,943
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$379/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,470
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$462/mo
Today · 4.125%
HK$15,538
baseline
▲ 0.50% · 4.625%
HK$16,484
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,076/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,266
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$442/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$594/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$569/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,518 · 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).