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$9,866
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,173
−HK$312/mo
Today · 4.125%
HK$10,485
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,970/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,976
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$299/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$610/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,839
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$374/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$765/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,164/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,171
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$359/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$731/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,813
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,242
−HK$437/mo
Today · 4.125%
HK$14,679
baseline
▲ 0.50% · 4.625%
HK$15,572
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,358/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$419/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$853/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$562/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$537/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,902 · 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).