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$9,555
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$302/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,308/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,630
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$289/mo
Today · 4.125%
HK$11,204
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,408/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,466
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$362/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$742/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$24,370/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,756
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$347/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$709/mo
Deposit HK$1.68M · loan HK$2.51M · min. income ≈ HK$26,890/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,377
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$423/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$865/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$28,432/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,882
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,281
−HK$405/mo
Today · 4.125%
HK$15,686
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$827/mo
Deposit HK$1.26M · loan HK$2.93M · min. income ≈ HK$31,372/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$544/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$1,112/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$521/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,063/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$38,171 · 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).