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$10,016
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$316/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,288/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,143
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$303/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,490/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,019
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,393
−HK$380/mo
Today · 4.125%
HK$12,773
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$777/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,546/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,371
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$364/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,023
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$443/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$907/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$425/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,029
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$570/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,595
−HK$546/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,889 · 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).