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$10,095
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$319/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,456/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,230
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$306/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,674/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,113
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$383/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$783/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,746/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,476
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$367/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,132
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$447/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$913/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,722
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$427/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,170
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$575/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,175/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$550/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,123/mo
Deposit HK$443K · loan HK$3.98M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,404 · 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).