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$10,132
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$321/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,536/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,272
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$307/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,762/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,159
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$384/mo
Today · 4.125%
HK$12,921
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,842/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,526
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$368/mo
Today · 4.125%
HK$14,257
baseline
▲ 0.50% · 4.625%
HK$15,009
+HK$752/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,514/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,626
−HK$449/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$429/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$877/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,238
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$18,805
−HK$577/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$552/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,652 · 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).