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$9,426
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$298/mo
Today · 4.125%
HK$10,017
baseline
▲ 0.50% · 4.625%
HK$10,627
+HK$610/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,034/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,486
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$285/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,636
+HK$583/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,106/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,311
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$358/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$731/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,584
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$343/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$13,963
+HK$699/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$417/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$853/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$399/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$816/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,948/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$536/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$19,128
+HK$1,097/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$513/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,049/mo
Deposit HK$413K · loan HK$3.72M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$26,853 · 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).