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$9,293
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$294/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,752/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,339
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$281/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$575/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,794/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,152
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$352/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$721/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$23,702/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,406
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$338/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$689/mo
Deposit HK$1.63M · loan HK$2.45M · min. income ≈ HK$26,154/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$412/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$841/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,862
−HK$394/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$804/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$529/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$1,082/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$506/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,034/mo
Deposit HK$408K · loan HK$3.67M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$423K (deposit + AVD stamp duty HK$15,214 · 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).