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$9,728
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$308/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,676/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,822
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$295/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,814/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,673
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$368/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,160
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,810/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$353/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,376/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$430/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,151
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$413/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$841/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$553/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$530/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$53,324 · 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).