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$9,981
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$315/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,214/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,104
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$302/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,408/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,977
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$378/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,456/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$363/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,974
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$442/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$423/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$568/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,161/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$544/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,658 · 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).