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$9,284
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$293/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$601/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$19,732/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,328
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$281/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$574/mo
Deposit HK$2.04M · loan HK$2.04M · min. income ≈ HK$21,772/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,141
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$352/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$721/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,394
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$338/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,752
+HK$688/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$411/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$394/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$528/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$505/mo
Today · 4.125%
HK$19,595
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,033/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,190/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$14,393 · 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).