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$9,349
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$295/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,870/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,401
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$283/mo
Today · 4.125%
HK$10,963
baseline
▲ 0.50% · 4.625%
HK$11,541
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,926/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,219
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$355/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$339/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,310/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,496
−HK$414/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$846/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,820/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,561
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,952
−HK$396/mo
Today · 4.125%
HK$15,348
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,696/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$532/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$509/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,109 · 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).