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$9,385
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$296/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,580
+HK$607/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,946/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,440
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$285/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$580/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,010/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,262
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,612
−HK$356/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,696
+HK$728/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,936/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,529
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$340/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$697/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,410/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$416/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$849/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,926/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$397/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$812/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,893
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$534/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$1,092/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$511/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,044/mo
Deposit HK$412K · loan HK$3.70M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$23,235 · 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).