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$10,023
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$317/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,304/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,151
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$303/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,028
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$380/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,564/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,381
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$365/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,032
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$443/mo
Today · 4.125%
HK$14,912
baseline
▲ 0.50% · 4.625%
HK$15,820
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,824/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$425/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,041
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$570/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,166/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$546/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,934 · 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).