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$9,626
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$304/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,852
+HK$622/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,460/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,709
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$292/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,883
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,576/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,551
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$365/mo
Today · 4.125%
HK$12,276
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,552/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,851
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$349/mo
Today · 4.125%
HK$13,545
baseline
▲ 0.50% · 4.625%
HK$14,259
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,090/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,477
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$426/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$871/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$408/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$548/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$525/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,409 · 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).