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$9,903
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$313/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,048/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$300/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,226/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,884
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,254
−HK$375/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,258/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,221
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$360/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,865
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$438/mo
Today · 4.125%
HK$14,734
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,468/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$420/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$563/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$20,097
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,831
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$540/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,147 · 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).