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$10,116
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$320/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,502/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,254
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$306/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,488
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,724/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,517
−HK$384/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,686
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$367/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,470/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,163
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$447/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$428/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,483
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$575/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$551/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,126/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,549 · 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).