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$9,734
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$307/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$630/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,688/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,829
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$295/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,828/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,681
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$369/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$755/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,994
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$354/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,394/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,627
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$431/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,964/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,160
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$412/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$554/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$1,132/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$531/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,845 · 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).