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$10,153
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$321/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,446
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,578/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,295
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,598
−HK$307/mo
Today · 4.125%
HK$11,905
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,810/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,183
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$385/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,554
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$369/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,214
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$449/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$430/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$578/mo
Today · 4.125%
HK$19,421
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,842/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,876
−HK$553/mo
Today · 4.125%
HK$21,429
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,858/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,787 · 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).