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$9,209
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,572/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,245
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$279/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$349/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$715/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,294
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$335/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$683/mo
Deposit HK$1.62M · loan HK$2.42M · min. income ≈ HK$25,916/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$408/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$524/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$1,072/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$502/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$7,793 · 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).