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$9,975
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,286
−HK$315/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,202/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,097
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,395
−HK$302/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,394/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,970
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$378/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,442/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,317
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$362/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,776
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,072/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$441/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,682/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,953
−HK$423/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$567/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,162/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,975
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$544/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,109/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,620 · 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).