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$9,157
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$290/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,462/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,187
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$277/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$566/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,988
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$347/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$711/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,354/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,224
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$332/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$680/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,768/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$405/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$388/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,482
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$521/mo
Today · 4.125%
HK$17,516
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$1,065/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,032/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,336
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,828
−HK$499/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,018/mo
Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,226 · 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).