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$9,696
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$306/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,608/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,787
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$294/mo
Today · 4.125%
HK$11,370
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,740/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,635
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$368/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,117
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,730/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,944
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$353/mo
Today · 4.125%
HK$13,644
baseline
▲ 0.50% · 4.625%
HK$14,363
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,288/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$429/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$411/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,453
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$552/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,096/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$528/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,546 · 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).