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$9,484
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$300/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,692
+HK$613/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$20,158/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,551
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$287/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$586/mo
Deposit HK$2.08M · loan HK$2.08M · min. income ≈ HK$22,242/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,381
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$359/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$736/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$24,188/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,661
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$344/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$704/mo
Deposit HK$1.66M · loan HK$2.50M · min. income ≈ HK$26,690/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$419/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$859/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$402/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$821/mo
Deposit HK$1.25M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,071
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$540/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$1,104/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$517/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,055/mo
Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,938 · 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).