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$9,163
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$290/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,476/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,194
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$277/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$567/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,488/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$347/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,396
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,370/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,232
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$332/mo
Today · 4.125%
HK$12,893
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,786/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,227
−HK$406/mo
Today · 4.125%
HK$13,633
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$829/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$27,266/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,271
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$388/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$793/mo
Deposit HK$1.21M · loan HK$2.81M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$522/mo
Today · 4.125%
HK$17,528
baseline
▲ 0.50% · 4.625%
HK$18,594
+HK$1,066/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$35,056/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$499/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,019/mo
Deposit HK$402K · loan HK$3.62M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$3,781 · 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).