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$9,542
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$302/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,280/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,615
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$288/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,778
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,450
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$362/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$740/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,336/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,738
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$346/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,134
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,852/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,358
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$422/mo
Today · 4.125%
HK$14,196
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,392/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,861
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,259
−HK$405/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$825/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$543/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,110/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$520/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,062/mo
Deposit HK$418K · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$455K (deposit + AVD stamp duty HK$36,986 · 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).