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$9,907
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$313/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,056/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,021
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$300/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,234/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,888
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$375/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,266/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,225
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$360/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,880/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,869
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$438/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,478/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,430
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$420/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$563/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,900/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,838
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,370
−HK$540/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,169 · 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).