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$9,334
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$295/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,838/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,384
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$282/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,522
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,890/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,201
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$354/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,461
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$339/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$692/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,268/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$413/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$845/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$395/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$808/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$531/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,941
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,710/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,691
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$508/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,039/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,791 · 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).