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$9,511
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$301/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,723
+HK$615/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$20,216/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,581
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$288/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$588/mo
Deposit HK$2.09M · loan HK$2.09M · min. income ≈ HK$22,306/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,414
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$360/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$738/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,697
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$345/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$706/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,766/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,316
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$421/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$15,012
+HK$861/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$28,302/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,814
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$403/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,437
+HK$823/mo
Deposit HK$1.25M · loan HK$2.92M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,120
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,653
−HK$541/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$1,107/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$518/mo
Today · 4.125%
HK$20,075
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,058/mo
Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$40,150/mo (50% DSR)
Upfront cash ≈ HK$451K (deposit + AVD stamp duty HK$34,328 · 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).