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$9,876
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$312/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$638/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,992/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,987
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$299/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,162/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,852
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$375/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,361
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,190/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,185
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$358/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,257
−HK$437/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,388/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,382
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$418/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,426/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$561/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,308
−HK$538/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,970 · 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).