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$9,352
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$295/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,876/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,404
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$283/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,222
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$355/mo
Today · 4.125%
HK$11,926
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$725/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,852/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,484
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$340/mo
Today · 4.125%
HK$13,159
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,318/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,092
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$413/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$396/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,161
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,833
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$532/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$1,088/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,229
−HK$509/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,779
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,337 · 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).