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$9,973
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$316/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$644/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,198/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,095
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,393
−HK$301/mo
Today · 4.125%
HK$11,694
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,388/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,968
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$378/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,436/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,314
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$362/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,397
−HK$441/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,741
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,533
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$422/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,952
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$567/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,161/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,971
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$543/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,110/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,606 · 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).