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$10,130
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$320/mo
Today · 4.125%
HK$10,765
baseline
▲ 0.50% · 4.625%
HK$11,420
+HK$655/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,530/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,269
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$306/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$626/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,756/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,156
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,534
−HK$384/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$786/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,523
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$368/mo
Today · 4.125%
HK$14,254
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$751/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,508/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,182
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$448/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,988
+HK$917/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,777
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$430/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,506
+HK$876/mo
Deposit HK$1.33M · loan HK$3.11M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,234
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,801
−HK$576/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,179/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,829
−HK$552/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,508
+HK$1,127/mo
Deposit HK$444K · loan HK$4.00M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$511K (deposit + AVD stamp duty HK$66,637 · 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).