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$9,452
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$299/mo
Today · 4.125%
HK$10,045
baseline
▲ 0.50% · 4.625%
HK$10,656
+HK$611/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,090/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,515
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$286/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$584/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,168/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$359/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$733/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$343/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$701/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,233
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$418/mo
Today · 4.125%
HK$14,063
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,126/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$400/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$538/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$1,100/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$515/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,051/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,149 · 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).