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$10,003
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$316/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,260/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,128
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$303/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,003
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$380/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$364/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$443/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$424/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$569/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$545/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,800 · 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).