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$9,745
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$308/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$630/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,712/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,841
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$295/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$602/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,854/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,694
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$369/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$756/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$24,854/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$354/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$723/mo
Deposit HK$1.71M · loan HK$2.56M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,643
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$431/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$883/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$28,996/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$412/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$844/mo
Deposit HK$1.28M · loan HK$2.99M · min. income ≈ HK$31,994/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,541
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$555/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,775
+HK$1,134/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,514
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,037
−HK$531/mo
Today · 4.125%
HK$20,568
baseline
▲ 0.50% · 4.625%
HK$21,652
+HK$1,084/mo
Deposit HK$427K · loan HK$3.85M · min. income ≈ HK$41,136/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,817 · 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).