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$9,280
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,569
−HK$293/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,724/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,324
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$281/mo
Today · 4.125%
HK$10,882
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$573/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,764/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,136
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,482
−HK$352/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,668/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,389
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,721
−HK$337/mo
Today · 4.125%
HK$13,058
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,116/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,992
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$411/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$393/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$528/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$1,080/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$505/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$14,050 · 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).