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$9,299
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$294/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$602/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,764/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,345
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$281/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,808/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,159
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$353/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$338/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$690/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$411/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,677
+HK$842/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,670/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,483
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$394/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$529/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,870
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$506/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,035/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$15,719 · 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).