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$10,126
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$320/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,522/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,265
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$307/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,151
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$384/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$786/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$25,826/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,518
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$368/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$751/mo
Deposit HK$1.78M · loan HK$2.66M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,177
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$448/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$916/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,771
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,194
−HK$430/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,500
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$576/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,549
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$552/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,613 · 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).