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$9,597
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$304/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$620/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,398/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,676
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$290/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$593/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,506/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,516
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$364/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$745/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$24,476/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,812
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,155
−HK$349/mo
Today · 4.125%
HK$13,504
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$712/mo
Deposit HK$1.68M · loan HK$2.53M · min. income ≈ HK$27,008/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,435
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$425/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$869/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$406/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$545/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$1,117/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,217
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$523/mo
Today · 4.125%
HK$20,256
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,067/mo
Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$40,512/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$41,827 · 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).