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$9,203
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$291/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,560/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,238
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$278/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,582/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,043
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$349/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,450
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,472/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$334/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,632
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,898/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,884
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$407/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$390/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$15,904
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,216/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$524/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$501/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,278 · 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).