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$9,553
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$302/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,770
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,304/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,628
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$289/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,404/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,464
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,820
−HK$363/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,366/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$347/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$423/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,426/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,879
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$405/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$544/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,548/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,130
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$520/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,996 · 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).