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$9,988
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$315/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,228/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,112
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$302/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,329
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,424/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,986
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$379/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$362/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,983
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$442/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$424/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,261
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$568/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$544/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,704 · 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).