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$9,353
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$296/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$605/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$19,880/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$283/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$578/mo
Deposit HK$2.05M · loan HK$2.05M · min. income ≈ HK$21,936/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,224
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$355/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$726/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$23,856/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,487
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$339/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$694/mo
Deposit HK$1.64M · loan HK$2.46M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$414/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$847/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,568
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$397/mo
Today · 4.125%
HK$15,355
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$809/mo
Deposit HK$1.23M · loan HK$2.87M · min. income ≈ HK$30,710/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$532/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$1,089/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,730
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$510/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,040/mo
Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,479 · 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).