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$10,600
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,930
−HK$335/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,530/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,793
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$321/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,860/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,720
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,116
−HK$402/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,036/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,151
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$385/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,702
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,840
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$469/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$450/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,080
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$603/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,227
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$577/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,553
+HK$1,180/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,367 · 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).