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$10,117
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$320/mo
Today · 4.125%
HK$10,752
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,504/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,256
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$307/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,728/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,141
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$383/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,507
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$367/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$14,987
+HK$751/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,472/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$448/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,969
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,106/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,758
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$429/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$575/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,178/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$552/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,555 · 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).