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$10,259
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$324/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,565
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,804/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,413
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$310/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,663
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,058/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,311
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$390/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$372/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$761/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$454/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$929/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,978
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$435/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,729
+HK$888/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$584/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,194/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$559/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,141/mo
Deposit HK$450K · loan HK$4.05M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,485 · 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).