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$10,054
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$318/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$650/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,370/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,185
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$305/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$621/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,580/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,065
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$381/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,602
+HK$780/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$25,644/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$366/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$14,893
+HK$745/mo
Deposit HK$1.76M · loan HK$2.65M · min. income ≈ HK$28,296/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,076
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$445/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$910/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$29,918/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$427/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$870/mo
Deposit HK$1.32M · loan HK$3.09M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$572/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,170/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$547/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,119/mo
Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,140 · 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).