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$9,470
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,765
−HK$299/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,676
+HK$612/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,128/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,536
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$287/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$585/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,210/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$359/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$735/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,154/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,643
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$344/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$419/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$857/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$402/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$819/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$538/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$1,103/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$515/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,042
+HK$1,054/mo
Deposit HK$415K · loan HK$3.74M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$30,727 · 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).