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$9,314
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,604
−HK$294/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,796/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,362
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$282/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,844/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,177
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$354/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$722/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,756/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,434
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,768
−HK$338/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$691/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$412/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,700
+HK$843/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$395/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$806/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$530/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$1,084/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$17,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$508/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,036/mo
Deposit HK$408K · loan HK$3.68M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$17,025 · 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).