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$10,172
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$321/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,620/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,316
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$308/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,856/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$386/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,580
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$369/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,626/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,241
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$450/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,843
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,268
−HK$431/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$579/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,184/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$554/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,132/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,915 · 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).