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$9,328
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$295/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$603/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,826/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,377
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$282/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$577/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,876/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,194
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$354/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$723/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$23,792/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$339/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$692/mo
Deposit HK$1.64M · loan HK$2.45M · min. income ≈ HK$26,252/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$412/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,723
+HK$845/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$395/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$807/mo
Deposit HK$1.23M · loan HK$2.86M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,791
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$530/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$508/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,038/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$18,260 · 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).