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$9,458
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,752
−HK$299/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,663
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,102/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,522
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$286/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,180/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,350
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$358/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,122/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$343/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,616/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,241
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$419/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,928
+HK$856/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,731
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$401/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,024
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$538/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$516/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,052/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$444K (deposit + AVD stamp duty HK$29,655 · 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).