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$9,782
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$309/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$633/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,790/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,882
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$296/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,940/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,738
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$371/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$355/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$432/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,106/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$414/mo
Today · 4.125%
HK$16,058
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,116/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$556/mo
Today · 4.125%
HK$18,711
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,422/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,113
−HK$533/mo
Today · 4.125%
HK$20,646
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,292/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,061 · 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).