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$10,074
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$318/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$651/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,412/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,207
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$305/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$623/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,626/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,089
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$382/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$782/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$25,694/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,449
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$366/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$747/mo
Deposit HK$1.77M · loan HK$2.65M · min. income ≈ HK$28,352/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,104
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$445/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$912/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$427/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$872/mo
Deposit HK$1.33M · loan HK$3.09M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$573/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,443
+HK$1,172/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,173
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$549/mo
Today · 4.125%
HK$21,263
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,121/mo
Deposit HK$442K · loan HK$3.98M · min. income ≈ HK$42,526/mo (50% DSR)
Upfront cash ≈ HK$508K (deposit + AVD stamp duty HK$66,271 · 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).