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$9,204
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$291/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$595/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,562/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,239
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$279/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,361
+HK$568/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,586/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,045
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$715/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,474/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,287
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$334/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$683/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,902/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,886
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$408/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,527
+HK$833/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,388/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$390/mo
Today · 4.125%
HK$15,110
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$796/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,220/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$524/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,071/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$502/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,024/mo
Deposit HK$404K · loan HK$3.63M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$7,376 · 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).