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$9,793
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$310/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$633/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,814/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,894
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$296/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$605/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$22,966/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,751
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$371/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$760/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$24,976/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$356/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$726/mo
Deposit HK$1.72M · loan HK$2.58M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,710
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$434/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,456
+HK$886/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$415/mo
Today · 4.125%
HK$16,076
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$848/mo
Deposit HK$1.29M · loan HK$3.01M · min. income ≈ HK$32,152/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$557/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$1,140/mo
Deposit HK$429K · loan HK$3.87M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$59,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$533/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,759
+HK$1,090/mo
Deposit HK$429K · loan HK$3.87M · min. income ≈ HK$41,338/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$59,023 · 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).