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$10,586
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$335/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,500/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,777
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$320/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,703
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$402/mo
Today · 4.125%
HK$13,500
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$821/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,000/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,132
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$385/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,820
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,281
−HK$469/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,930
−HK$448/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,294
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$577/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,177/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,749 · 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).