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$9,721
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$308/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,959
+HK$628/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,662/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,814
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$295/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,798/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,665
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$369/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$754/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,794/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$353/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$721/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,609
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$430/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,343
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,926/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$412/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$553/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$1,131/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,466
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$530/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,081/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,719 · 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).