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$9,198
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$291/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,550/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,233
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$278/mo
Today · 4.125%
HK$10,785
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,570/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,037
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$349/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,460/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,279
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$334/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,884/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,877
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$407/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,517
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,326
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$389/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$523/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$1,071/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,419
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,913
−HK$501/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,839 · 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).