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$10,122
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$320/mo
Today · 4.125%
HK$10,757
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,514/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,261
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$307/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,740/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,147
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$384/mo
Today · 4.125%
HK$12,909
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$785/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,818/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,513
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$367/mo
Today · 4.125%
HK$14,243
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,486/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,171
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$448/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,977
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,766
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$429/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,493
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,220
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$576/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,541
+HK$1,178/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$551/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,126/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,588 · 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).