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$9,237
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$292/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$597/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$19,632/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,276
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$280/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$571/mo
Deposit HK$2.03M · loan HK$2.03M · min. income ≈ HK$21,662/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$350/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$717/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,558/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,331
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$336/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,682
+HK$685/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$409/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$836/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$27,484/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$391/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$15,962
+HK$799/mo
Deposit HK$1.22M · loan HK$2.84M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,626
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$525/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$1,076/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$503/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,523
+HK$1,028/mo
Deposit HK$405K · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$415K (deposit + AVD stamp duty HK$10,237 · 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).