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$10,013
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$317/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$647/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$21,282/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,139
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$303/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$619/mo
Deposit HK$2.20M · loan HK$2.20M · min. income ≈ HK$23,482/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,015
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$380/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,538/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,367
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$364/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,832
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,018
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$443/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,595
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$424/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$867/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,874/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$569/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,166/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$546/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,867 · 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).