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$10,175
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$322/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,628/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,320
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$308/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,211
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$386/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$790/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$370/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,246
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,689
−HK$450/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$431/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$881/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$578/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$554/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,937 · 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).