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$9,802
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$310/mo
Today · 4.125%
HK$10,417
baseline
▲ 0.50% · 4.625%
HK$11,051
+HK$634/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,834/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,905
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,197
−HK$297/mo
Today · 4.125%
HK$11,494
baseline
▲ 0.50% · 4.625%
HK$12,100
+HK$606/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,988/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,763
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$371/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$761/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,000/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,086
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$356/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$727/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$434/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$887/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,267
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$416/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$558/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$1,140/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$534/mo
Today · 4.125%
HK$20,689
baseline
▲ 0.50% · 4.625%
HK$21,780
+HK$1,091/mo
Deposit HK$430K · loan HK$3.87M · min. income ≈ HK$41,378/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$59,852 · 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).