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$9,663
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$305/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$625/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$20,538/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,750
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$292/mo
Today · 4.125%
HK$11,331
baseline
▲ 0.50% · 4.625%
HK$11,928
+HK$597/mo
Deposit HK$2.12M · loan HK$2.12M · min. income ≈ HK$22,662/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,596
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$366/mo
Today · 4.125%
HK$12,323
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$750/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$24,646/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,900
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$351/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,314
+HK$717/mo
Deposit HK$1.70M · loan HK$2.54M · min. income ≈ HK$27,194/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,529
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$428/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$875/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$28,754/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,050
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$409/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,700
+HK$837/mo
Deposit HK$1.27M · loan HK$2.97M · min. income ≈ HK$31,726/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,394
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$550/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,124/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$527/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,075/mo
Deposit HK$424K · loan HK$3.81M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$471K (deposit + AVD stamp duty HK$47,656 · 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).