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$9,701
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$307/mo
Today · 4.125%
HK$10,310
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,620/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,793
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$294/mo
Today · 4.125%
HK$11,376
baseline
▲ 0.50% · 4.625%
HK$11,976
+HK$600/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,752/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,642
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$368/mo
Today · 4.125%
HK$12,372
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$753/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,744/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,951
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$352/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$720/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,582
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$429/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$411/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$840/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$552/mo
Today · 4.125%
HK$18,558
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$1,129/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,116/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$51,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$529/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$51,010 · 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).