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$10,104
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$319/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,390
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,240
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$305/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,124
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$384/mo
Today · 4.125%
HK$12,885
baseline
▲ 0.50% · 4.625%
HK$13,669
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$367/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$14,966
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,434/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$447/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$915/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$428/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,186
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,752
−HK$575/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,176/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$550/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,464 · 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).