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$9,372
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$296/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,565
+HK$606/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,918/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,426
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$284/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$579/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$355/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$727/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$23,902/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,511
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$340/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$695/mo
Deposit HK$1.64M · loan HK$2.47M · min. income ≈ HK$26,374/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$415/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$848/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$397/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$811/mo
Deposit HK$1.23M · loan HK$2.88M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,869
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,394
−HK$533/mo
Today · 4.125%
HK$17,927
baseline
▲ 0.50% · 4.625%
HK$19,017
+HK$1,090/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,854/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,766
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$510/mo
Today · 4.125%
HK$19,780
baseline
▲ 0.50% · 4.625%
HK$20,823
+HK$1,043/mo
Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$39,560/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$22,078 · 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).