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$9,823
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$310/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$11,074
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,878/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,928
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$298/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,038/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,788
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$372/mo
Today · 4.125%
HK$12,527
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$762/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$25,054/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$356/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,551
+HK$729/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,753
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$435/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$889/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,300
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$416/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$850/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$559/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$1,143/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,671
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,198
−HK$536/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,826
+HK$1,092/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$492K (deposit + AVD stamp duty HK$61,689 · 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).