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$9,352
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$296/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$604/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,878/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,404
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$283/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$354/mo
Today · 4.125%
HK$11,926
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,852/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,485
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$340/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$693/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,320/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$414/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$397/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$532/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$509/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,041/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,372 · 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).