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$10,107
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$319/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,482/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,244
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$306/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,129
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$383/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,674
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,493
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$367/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,444/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$448/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,076/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$429/mo
Today · 4.125%
HK$16,593
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,186/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$575/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$550/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,489 · 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).