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$9,713
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$307/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,644/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,805
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,095
−HK$294/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,778/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,655
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$368/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,772/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$353/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$720/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,334/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,598
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$429/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,127
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$412/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,890/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$552/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,131/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$529/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,081/mo
Deposit HK$426K · loan HK$3.83M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,988 · 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).