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$10,101
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$319/mo
Today · 4.125%
HK$10,735
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$653/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$21,470/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,238
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$306/mo
Today · 4.125%
HK$11,845
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$624/mo
Deposit HK$2.21M · loan HK$2.21M · min. income ≈ HK$23,690/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,122
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$383/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,666
+HK$784/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,764/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,485
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$367/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$749/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,428/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,142
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$447/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,943
+HK$914/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$428/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$874/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$575/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,175/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,646/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$551/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,124/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,642/mo (50% DSR)
Upfront cash ≈ HK$509K (deposit + AVD stamp duty HK$66,450 · 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).