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$10,127
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$320/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,417
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,524/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$306/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,750/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,153
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,531
−HK$384/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,520
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$368/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,178
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$448/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,773
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$429/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,229
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,796
−HK$576/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,551
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,823
−HK$552/mo
Today · 4.125%
HK$21,375
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,750/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,619 · 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).