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$9,944
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$314/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,136/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,063
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$301/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,933
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$377/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,362/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$362/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,986/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,922
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$440/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,590/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$422/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$566/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,158/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$542/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,416 · 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).