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$9,828
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$311/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$11,079
+HK$635/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$20,888/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,933
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$298/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,131
+HK$607/mo
Deposit HK$2.15M · loan HK$2.15M · min. income ≈ HK$23,048/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,793
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,160
−HK$373/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$762/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$357/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,557
+HK$728/mo
Deposit HK$1.72M · loan HK$2.59M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,759
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,187
−HK$434/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,242/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,306
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$416/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,690
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,240
−HK$559/mo
Today · 4.125%
HK$18,799
baseline
▲ 0.50% · 4.625%
HK$19,943
+HK$1,144/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,598/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,680
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,207
−HK$536/mo
Today · 4.125%
HK$20,743
baseline
▲ 0.50% · 4.625%
HK$21,836
+HK$1,093/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,486/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$62,073 · 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).