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$10,722
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$339/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,788/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,928
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$324/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,144/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$407/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,346/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$389/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,172/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$474/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,922
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$454/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$610/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$584/mo
Today · 4.125%
HK$22,630
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,260/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,692 · 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).