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$9,992
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$316/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,238/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,116
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$303/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,434/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,990
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,363
−HK$379/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,518
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,484/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,339
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$363/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,989
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$442/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$905/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,732/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$423/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,806/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,986
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$569/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,009
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$544/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,730 · 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).