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$10,256
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$324/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$311/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$389/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,875
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,059
−HK$372/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,192
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$453/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$434/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$583/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$559/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,465 · 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).