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$9,733
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$308/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$629/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$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$294/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$602/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,826/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,680
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$369/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,824/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,994
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$354/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$722/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,627
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$431/mo
Today · 4.125%
HK$14,481
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$881/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,962/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,159
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$412/mo
Today · 4.125%
HK$15,978
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$843/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,956/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,520
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$553/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$1,133/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$531/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,083/mo
Deposit HK$427K · loan HK$3.84M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$481K (deposit + AVD stamp duty HK$53,796 · 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).