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$9,800
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$310/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,830/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,903
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$297/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,984/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,760
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$372/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,996/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,083
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$356/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,517
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,721
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$434/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,264
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$416/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$558/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$1,141/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$534/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$59,689 · 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).