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$9,628
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$304/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,464/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,711
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$291/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$595/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,580/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,554
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$365/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$747/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$24,556/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,854
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$350/mo
Today · 4.125%
HK$13,548
baseline
▲ 0.50% · 4.625%
HK$14,262
+HK$714/mo
Deposit HK$1.69M · loan HK$2.53M · min. income ≈ HK$27,096/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$426/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$871/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,650/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,996
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$408/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$833/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$548/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$1,120/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$525/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,071/mo
Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$44,585 · 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).