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$9,740
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$308/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,702/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,836
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$295/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,842/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,688
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$369/mo
Today · 4.125%
HK$12,421
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,842/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,003
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$354/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,636
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$431/mo
Today · 4.125%
HK$14,491
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$882/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,982/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,170
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$412/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,532
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$554/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$1,134/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$531/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,387 · 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).