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$9,351
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$296/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,876/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,403
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$283/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,930/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,222
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$354/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,484
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$339/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$414/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$397/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,833
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$510/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,307 · 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).