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$10,175
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$321/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,626/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$308/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,862/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,210
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$386/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$369/mo
Today · 4.125%
HK$14,317
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,634/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$450/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$922/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$431/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$579/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,184/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$554/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,934 · 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).