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$9,630
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$304/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,468/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,714
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$292/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,586/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,557
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$365/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$748/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$350/mo
Today · 4.125%
HK$13,551
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,102/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,483
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$426/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$872/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$408/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,335
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$548/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$1,121/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$525/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,781 · 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).