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$9,819
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$310/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$11,070
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,870/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,924
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$297/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,783
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$372/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,284
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,044/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$357/mo
Today · 4.125%
HK$13,817
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$728/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,634/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,747
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$434/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,498
+HK$889/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,294
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,704
−HK$416/mo
Today · 4.125%
HK$16,120
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$850/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,240/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,675
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,225
−HK$558/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,663
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$535/mo
Today · 4.125%
HK$20,726
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,092/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,452/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,359 · 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).