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$9,578
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$302/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,356/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,655
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$290/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,462/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,493
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$363/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,428/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$348/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,954/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,409
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$424/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$867/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$406/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$829/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$545/mo
Today · 4.125%
HK$18,321
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$1,115/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,642/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$522/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,281
+HK$1,065/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$40,165 · 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).