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$10,185
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$321/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,646/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,330
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$309/mo
Today · 4.125%
HK$11,943
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,886/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,222
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$386/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,976/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,597
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$370/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$451/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$432/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$579/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,668
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,395
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$555/mo
Today · 4.125%
HK$21,497
baseline
▲ 0.50% · 4.625%
HK$22,630
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,994/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,998 · 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).