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$9,200
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$291/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,554/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,235
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$278/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,040
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$349/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,466/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,282
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$334/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,628
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,892/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,880
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$407/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,376/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,329
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$390/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$523/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$1,071/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,423
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$501/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,054 · 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).