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$10,247
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,566
−HK$324/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,552
+HK$662/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,780/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,400
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,706
−HK$310/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$633/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,032/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,297
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$389/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$795/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,136/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,680
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$372/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,838/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,346
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,792
−HK$454/mo
Today · 4.125%
HK$15,246
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$927/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,492/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,960
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,388
−HK$434/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,709
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$583/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$558/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,141/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,409 · 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).