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$10,000
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$316/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,254/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,125
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$303/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,000
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$379/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,529
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,506/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$363/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$442/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$424/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$569/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$545/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,784 · 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).