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$9,959
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$314/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,166/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,079
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$302/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,356/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,951
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$378/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,400/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$361/mo
Today · 4.125%
HK$14,013
baseline
▲ 0.50% · 4.625%
HK$14,752
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,026/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,942
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$441/mo
Today · 4.125%
HK$14,817
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,634/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$422/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,211
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$566/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$543/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,512 · 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).