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$9,551
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,848
−HK$302/mo
Today · 4.125%
HK$10,150
baseline
▲ 0.50% · 4.625%
HK$10,767
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,300/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,625
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,910
−HK$289/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$591/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,398/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,461
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$362/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,750
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$347/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,878/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,371
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,787
−HK$423/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,420/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,274
−HK$405/mo
Today · 4.125%
HK$15,679
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,358/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,192
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,726
−HK$544/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,125
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$521/mo
Today · 4.125%
HK$20,159
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,318/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,803 · 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).