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$9,671
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,972
−HK$306/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,556/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,759
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$292/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$598/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,680/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,605
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$367/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,666/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,911
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$351/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$718/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,539
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$428/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,778/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,063
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,467
−HK$409/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,408
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$551/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,125/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$37,000/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$526/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$424K · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$48,344 · 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).