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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$336/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,971
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,570/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$321/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,742
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$403/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,084/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,176
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,556
−HK$386/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,884/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$469/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,760
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,539
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$450/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,708
−HK$604/mo
Today · 4.125%
HK$20,312
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,624/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$579/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,181 · 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).