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$9,570
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$302/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,647
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$290/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$592/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,444/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,484
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$363/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$743/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,408/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,776
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$347/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,932/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,398
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$424/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,105
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,905
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$406/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$545/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,421
+HK$1,114/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,614/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$522/mo
Today · 4.125%
HK$20,200
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,064/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,400/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,499 · 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).