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$9,409
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$297/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,998/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,468
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$284/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,615
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,066/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,291
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$357/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$23,998/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$342/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,173
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$416/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,655
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$399/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,261
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$535/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$513/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,386 · 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).