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$9,485
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$300/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,693
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,160/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,552
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$287/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$360/mo
Today · 4.125%
HK$12,096
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$735/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,192/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,662
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$344/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,692/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$419/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$402/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$539/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$516/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,056/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,008 · 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).