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$9,957
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$315/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,162/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,077
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$301/mo
Today · 4.125%
HK$11,675
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,350/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,948
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$378/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,394/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,292
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$362/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,939
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$440/mo
Today · 4.125%
HK$14,813
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,626/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,507
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$422/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,206
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$567/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,158/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$543/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,496 · 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).