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$10,199
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$322/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,346
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$309/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,012/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$371/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$452/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$433/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$580/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$556/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,090 · 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).