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$9,356
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$296/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,886/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,409
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$283/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,549
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,942/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,228
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$355/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,658
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,491
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$340/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,099
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$414/mo
Today · 4.125%
HK$13,920
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,840/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,572
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$397/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,841
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$532/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$510/mo
Today · 4.125%
HK$19,748
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,496/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,733 · 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).