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$10,109
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$319/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,486/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$306/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,131
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,509
−HK$383/mo
Today · 4.125%
HK$12,892
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,784/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,496
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$367/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$14,975
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,153
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$448/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,745
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$429/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$575/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$550/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,502 · 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).