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$10,083
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$319/mo
Today · 4.125%
HK$10,715
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$652/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,430/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,217
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$305/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,099
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$383/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,716/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$366/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$748/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,116
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$446/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$912/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$427/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$872/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$574/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,173/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$549/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,122/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,325 · 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).