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$10,807
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$342/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,970/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$328/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,346/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,969
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,428
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,815
−HK$392/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,601
−HK$478/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$458/mo
Today · 4.125%
HK$17,742
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,484/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$615/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$589/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,452 · 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).