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$9,614
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,913
−HK$304/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$621/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,434/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,695
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$291/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$594/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,546/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,537
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$364/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$746/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$349/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$713/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,056/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$426/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$870/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$408/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$831/mo
Deposit HK$1.26M · loan HK$2.95M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,305
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$547/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$1,119/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$524/mo
Today · 4.125%
HK$20,292
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,069/mo
Deposit HK$422K · loan HK$3.79M · min. income ≈ HK$40,584/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,333 · 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).