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$9,411
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$297/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,610
+HK$609/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$20,002/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,470
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$285/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$582/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,293
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$730/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,563
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$342/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$698/mo
Deposit HK$1.65M · loan HK$2.48M · min. income ≈ HK$26,484/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,175
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$416/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$852/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,657
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$399/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$815/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,466
−HK$536/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$1,095/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,845
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$512/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,047/mo
Deposit HK$413K · loan HK$3.71M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$25,523 · 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).