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$9,564
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,861
−HK$303/mo
Today · 4.125%
HK$10,164
baseline
▲ 0.50% · 4.625%
HK$10,782
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,328/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,640
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$290/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,430/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,477
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$362/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,768
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$348/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$423/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$405/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,215
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,751
−HK$544/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,408
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,590/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,152
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,665
−HK$521/mo
Today · 4.125%
HK$20,186
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,372/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,946 · 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).