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$10,845
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$343/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,050/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,065
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$328/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,434/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,014
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$411/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,478
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$394/mo
Today · 4.125%
HK$15,260
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$805/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,520/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,183
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$480/mo
Today · 4.125%
HK$16,135
baseline
▲ 0.50% · 4.625%
HK$17,117
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,270/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,891
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$460/mo
Today · 4.125%
HK$17,804
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,608/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$617/mo
Today · 4.125%
HK$20,745
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,490/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$591/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,097
+HK$1,206/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,111 · 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).