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$10,060
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$318/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,382/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,192
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$305/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$622/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,594/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,073
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,448
−HK$382/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$780/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,660/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,431
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,791
−HK$365/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$14,902
+HK$746/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,085
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$445/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$911/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$427/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$870/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$572/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,171/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,120/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,180 · 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).