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$10,007
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$316/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,270/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,133
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$303/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,470/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,009
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$380/mo
Today · 4.125%
HK$12,762
baseline
▲ 0.50% · 4.625%
HK$13,538
+HK$776/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,524/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,360
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$363/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,162/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,010
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$443/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$424/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,013
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$569/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$545/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,831 · 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).