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$10,407
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$328/mo
Today · 4.125%
HK$11,059
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,118/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,578
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$315/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,406/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,877
−HK$394/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,893
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$378/mo
Today · 4.125%
HK$14,644
baseline
▲ 0.50% · 4.625%
HK$15,416
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,288/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$460/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$441/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$901/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,315
−HK$592/mo
Today · 4.125%
HK$19,907
baseline
▲ 0.50% · 4.625%
HK$21,118
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,814/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,398
−HK$567/mo
Today · 4.125%
HK$21,965
baseline
▲ 0.50% · 4.625%
HK$23,123
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,930/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,890 · 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).