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$10,020
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$316/mo
Today · 4.125%
HK$10,648
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$648/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,296/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,147
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$303/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$620/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,498/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,024
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$380/mo
Today · 4.125%
HK$12,778
baseline
▲ 0.50% · 4.625%
HK$13,556
+HK$778/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$25,556/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,377
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,735
−HK$364/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$743/mo
Deposit HK$1.76M · loan HK$2.64M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$444/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$907/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$424/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$867/mo
Deposit HK$1.32M · loan HK$3.08M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,036
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$570/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,065
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,603
−HK$546/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,264
+HK$1,115/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,914 · 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).