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$10,453
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$330/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,216/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,628
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,940
−HK$317/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$12,903
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,514/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,543
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$397/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,660/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,954
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$380/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$462/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,280
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$443/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,064
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$594/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,217/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$570/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,163/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,892 · 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).