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$10,301
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$326/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,460
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,767
−HK$312/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,361
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$390/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,272/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$375/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,990/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$456/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$932/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$436/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$561/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,246 · 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).