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$9,213
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$291/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,582/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,249
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$279/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,056
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$349/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,498/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,299
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$335/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,928/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,898
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$408/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,734
−HK$390/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$798/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$524/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$1,073/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,246/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$502/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,025/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$8,172 · 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).