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$9,888
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$312/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,148
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$299/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,190/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,866
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$375/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,220/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$359/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,843
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,274
−HK$438/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,607
+HK$895/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,401
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$419/mo
Today · 4.125%
HK$16,233
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$855/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,466/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,799
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$563/mo
Today · 4.125%
HK$18,915
baseline
▲ 0.50% · 4.625%
HK$20,066
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,830/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$539/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,047 · 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).