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$10,027
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$317/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,312/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,155
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$304/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,516/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,032
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$380/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$364/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$744/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,218/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,038
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$444/mo
Today · 4.125%
HK$14,918
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,836/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,617
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,036
−HK$425/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,328
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$570/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$547/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,960 · 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).