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$9,267
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$293/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,447
+HK$599/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,696/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,309
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$280/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,732/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,120
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$351/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,634/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,371
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$336/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,973
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$410/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$839/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,574/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$393/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$801/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$527/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$1,079/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,557
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$505/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,031/mo
Deposit HK$406K · loan HK$3.66M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$12,883 · 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).