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$9,784
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$309/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,794/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,884
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,176
−HK$296/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,944/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,741
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$371/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,954/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,061
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$355/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$726/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$433/mo
Today · 4.125%
HK$14,556
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,112/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,238
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$414/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$847/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,611
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,159
−HK$556/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$1,139/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,430/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$533/mo
Today · 4.125%
HK$20,650
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,300/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$58,236 · 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).