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$9,720
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,022
−HK$307/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$629/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,658/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,813
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$294/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$11,998
+HK$601/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,794/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,663
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$369/mo
Today · 4.125%
HK$12,395
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$754/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$24,790/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,975
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$353/mo
Today · 4.125%
HK$13,676
baseline
▲ 0.50% · 4.625%
HK$14,397
+HK$721/mo
Deposit HK$1.70M · loan HK$2.56M · min. income ≈ HK$27,352/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,607
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$430/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,341
+HK$880/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,138
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$412/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,797
+HK$841/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,912/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,495
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$553/mo
Today · 4.125%
HK$18,592
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$1,132/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$37,184/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,463
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,985
−HK$530/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,081/mo
Deposit HK$426K · loan HK$3.84M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$52,594 · 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).