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$9,561
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$303/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$618/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,322/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,637
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$289/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,422/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,473
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$363/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,935
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,386/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,764
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$348/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$709/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,908/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$423/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$865/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$405/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$827/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,210
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$544/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$1,113/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$36,578/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,146
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$521/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,244
+HK$1,064/mo
Deposit HK$419K · loan HK$3.77M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$38,698 · 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).