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$10,066
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$318/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,394/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,198
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$304/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,606/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,079
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$382/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,618
+HK$781/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,674/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$366/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$14,911
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,328/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$445/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,098
−HK$427/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$871/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$573/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,172/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,697
−HK$549/mo
Today · 4.125%
HK$21,246
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,492/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,216 · 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).