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$9,178
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$290/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,508/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,211
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$277/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$568/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,524/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$348/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$712/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,253
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$333/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$681/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,850
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$406/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$831/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$389/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,521
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$522/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$1,068/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$500/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,021/mo
Deposit HK$403K · loan HK$3.62M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$5,123 · 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).