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$10,105
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$319/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,478/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,242
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$306/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,698/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,126
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$384/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$367/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$447/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,739
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$428/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$575/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$551/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,475 · 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).