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$9,195
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$291/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,544/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,229
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$278/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,564/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,034
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$349/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$713/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$334/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,873
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$407/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$833/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,360/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$390/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$523/mo
Today · 4.125%
HK$17,589
baseline
▲ 0.50% · 4.625%
HK$18,659
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,178/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,413
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,907
−HK$501/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,592 · 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).