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$10,249
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$324/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$663/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,402
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$310/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$634/mo
Deposit HK$2.25M · loan HK$2.25M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,299
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$388/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$796/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$373/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$760/mo
Deposit HK$1.80M · loan HK$2.70M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,349
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$454/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$927/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$434/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$887/mo
Deposit HK$1.35M · loan HK$3.15M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$583/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,193/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,524
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$559/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,140/mo
Deposit HK$449K · loan HK$4.05M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$67,422 · 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).