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$10,190
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$322/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,658/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,336
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$308/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,896/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,227
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$386/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,785
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,988/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,603
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,968
−HK$370/mo
Today · 4.125%
HK$14,338
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,676/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,265
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,709
−HK$451/mo
Today · 4.125%
HK$15,160
baseline
▲ 0.50% · 4.625%
HK$16,082
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,320/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,870
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$432/mo
Today · 4.125%
HK$16,728
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,456/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$579/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$555/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,030 · 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).