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$9,921
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$314/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$641/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,037
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$300/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,266/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,905
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$376/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,302/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,244
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$361/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$439/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$420/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$564/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$540/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,261 · 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).