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$9,818
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$311/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,868/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,922
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$297/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,024/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,781
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$372/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,040/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,107
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$357/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,543
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,745
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$434/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$889/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$416/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$850/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,234/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$558/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$535/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,218 · 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).