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$9,192
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$291/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,538/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,226
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$279/mo
Today · 4.125%
HK$10,779
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,558/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,031
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$348/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,444/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,271
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$334/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,868/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,869
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,269
−HK$407/mo
Today · 4.125%
HK$13,676
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,352/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$389/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$795/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,546
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$523/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$1,070/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$501/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,022/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$409K (deposit + AVD stamp duty HK$6,336 · 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).