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$10,159
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$321/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,301
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$307/mo
Today · 4.125%
HK$11,912
baseline
▲ 0.50% · 4.625%
HK$12,540
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,824/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,190
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,570
−HK$385/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,743
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,910/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,562
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$368/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,048
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,588/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,222
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,665
−HK$449/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$16,034
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,228/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,822
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$431/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,556
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,354/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$577/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,343
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$554/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,130/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,827 · 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).