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$10,149
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$321/mo
Today · 4.125%
HK$10,785
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,570/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,593
−HK$307/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,528
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,178
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$385/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,884/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$368/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,560/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$449/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$430/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$577/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$553/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,550
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,761 · 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).