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$10,119
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$320/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,506/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,257
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$306/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,730/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,142
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$384/mo
Today · 4.125%
HK$12,904
baseline
▲ 0.50% · 4.625%
HK$13,689
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,808/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$368/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,476/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,166
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$447/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$429/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$875/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,222/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$576/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$551/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,562 · 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).