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$9,279
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$293/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$600/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,722/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,323
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$281/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$574/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,762/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,135
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,482
−HK$352/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,554
+HK$720/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$23,668/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$337/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$689/mo
Deposit HK$1.63M · loan HK$2.44M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,991
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$411/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$840/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$393/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,036
+HK$803/mo
Deposit HK$1.22M · loan HK$2.85M · min. income ≈ HK$30,466/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$527/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$1,081/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$35,500/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$506/mo
Today · 4.125%
HK$19,586
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,032/mo
Deposit HK$407K · loan HK$3.66M · min. income ≈ HK$39,172/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$13,998 · 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).