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$10,111
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$320/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,490/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,248
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$307/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$624/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,712/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,133
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$383/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$368/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,454/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,155
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$447/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$916/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,747
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$429/mo
Today · 4.125%
HK$16,598
baseline
▲ 0.50% · 4.625%
HK$17,473
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,196/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$575/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$551/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,509 · 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).