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$9,552
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$302/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$618/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,302/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,626
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$290/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$590/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,402/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$362/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$741/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,362/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,752
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$347/mo
Today · 4.125%
HK$13,441
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$708/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,882/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$422/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$15,076
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,422/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,877
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$405/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$826/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$544/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,383
+HK$1,111/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,128
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$520/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$37,895 · 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).