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$9,840
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$311/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$637/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,914/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,947
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,241
−HK$298/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,078/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,808
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$373/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,137
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$357/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$730/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,776
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$435/mo
Today · 4.125%
HK$14,640
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$891/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,280/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,326
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$417/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$852/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$559/mo
Today · 4.125%
HK$18,823
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,146/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$37,646/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$536/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,095/mo
Deposit HK$432K · loan HK$3.88M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$495K (deposit + AVD stamp duty HK$63,191 · 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).