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$10,486
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$331/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,286/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,665
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$318/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,592/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,583
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$398/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,744/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$381/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,137
−HK$464/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,550
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,202/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,332
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,770
−HK$444/mo
Today · 4.125%
HK$17,214
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,428/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$596/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$571/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,354 · 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).