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$10,017
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$316/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,290/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,144
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$303/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,492/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,021
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$380/mo
Today · 4.125%
HK$12,775
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$777/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,550/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$363/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,024
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$444/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$425/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,031
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$570/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,059
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$546/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,115/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,896 · 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).