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$9,910
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$313/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,062/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,025
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$300/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,240/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,892
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$376/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,406
+HK$768/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,276/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,230
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$360/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,888/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$439/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$420/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$563/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$540/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,189 · 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).