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$10,114
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$320/mo
Today · 4.125%
HK$10,748
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$654/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,496/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$306/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,136
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$383/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,682
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,502
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$367/mo
Today · 4.125%
HK$14,231
baseline
▲ 0.50% · 4.625%
HK$14,981
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,462/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,159
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$447/mo
Today · 4.125%
HK$15,047
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$916/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,094/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,752
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$429/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,478
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$575/mo
Today · 4.125%
HK$19,346
baseline
▲ 0.50% · 4.625%
HK$20,523
+HK$1,177/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$38,692/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,252
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$551/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,125/mo
Deposit HK$444K · loan HK$3.99M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,530 · 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).