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$10,834
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$342/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,026/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$328/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$669/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$411/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$393/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$479/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,326
−HK$459/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,570/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$617/mo
Today · 4.125%
HK$20,724
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,448/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$591/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,072
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,613 · 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).