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$9,925
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$314/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,096/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,042
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$301/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,278/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,911
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$376/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,314/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$360/mo
Today · 4.125%
HK$13,966
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,932/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,896
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$439/mo
Today · 4.125%
HK$14,767
baseline
▲ 0.50% · 4.625%
HK$15,666
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,534/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,459
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$421/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,153
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,588/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$564/mo
Today · 4.125%
HK$18,986
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,972/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$540/mo
Today · 4.125%
HK$20,949
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,105/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,898/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,292 · 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).