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$9,602
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$304/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,408/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,682
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$291/mo
Today · 4.125%
HK$11,259
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$593/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,518/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,522
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$364/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,818
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,162
−HK$348/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$713/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,442
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,860
−HK$425/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,570/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$407/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$547/mo
Today · 4.125%
HK$18,367
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,734/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,227
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$523/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,334
+HK$1,068/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$42,247 · 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).