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$10,012
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$316/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,138
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$303/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,358
+HK$618/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,014
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$379/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,534/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$363/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,830
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,016
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$443/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$907/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,790/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$424/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,021
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$570/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,302/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$545/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,859 · 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).