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$9,893
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$313/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,028/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,006
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$300/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,202/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,872
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,241
−HK$375/mo
Today · 4.125%
HK$12,616
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,232/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,207
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,562
−HK$359/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,842/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,850
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$438/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,409
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$419/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$562/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$20,076
+HK$1,152/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,811
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,342
−HK$539/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,101/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,080 · 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).