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$9,483
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$300/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,156/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,550
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$287/mo
Today · 4.125%
HK$11,120
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,240/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,380
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$359/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,829
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,186/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,660
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$345/mo
Today · 4.125%
HK$13,344
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$703/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,688/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,276
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$420/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$858/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,218/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,770
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$402/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$820/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,136/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,070
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$539/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$517/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,864 · 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).