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$9,487
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$300/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,164/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$287/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,384
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$359/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,196/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,665
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$344/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,698/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$420/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$402/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,395
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$539/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$1,105/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$517/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,200 · 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).