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$9,544
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,841
−HK$302/mo
Today · 4.125%
HK$10,143
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$617/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,286/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,618
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$289/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,453
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$362/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$741/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,741
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$347/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$708/mo
Deposit HK$1.67M · loan HK$2.51M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,362
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$423/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$864/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,400/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$405/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,179
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$543/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$520/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,062/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$37,209 · 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).