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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$289/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$593/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,484/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,199
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$278/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,001
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$348/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,567
−HK$333/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,580
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$405/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$389/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$521/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$499/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,020/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$4,170 · 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).