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$10,024
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$316/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,304/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,151
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$304/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,508/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,028
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$380/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$365/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,033
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$443/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$908/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$424/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$868/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,043
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$570/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,167/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,072
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$546/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,115/mo
Deposit HK$440K · loan HK$3.96M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$65,939 · 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).