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$9,898
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$312/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,158
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,036/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,011
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$300/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,212/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,877
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$375/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,244/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,213
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$359/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,661
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$438/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$419/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$563/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,351
−HK$540/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,109 · 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).