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$9,664
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,965
−HK$306/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,895
+HK$624/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,542/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,752
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$293/mo
Today · 4.125%
HK$11,333
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,666/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,597
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$367/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,650/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,902
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$351/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,198/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$428/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$410/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$836/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$550/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$527/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,474
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$47,766 · 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).