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$9,495
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$300/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$614/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,180/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,563
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$287/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$587/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,266/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,394
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$360/mo
Today · 4.125%
HK$12,108
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$737/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$24,216/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,675
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$345/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$704/mo
Deposit HK$1.67M · loan HK$2.50M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$420/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$860/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$403/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,622
−HK$540/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$1,105/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$517/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,056/mo
Deposit HK$416K · loan HK$3.75M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$449K (deposit + AVD stamp duty HK$32,873 · 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).