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$9,938
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$314/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,122/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,056
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$300/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,306/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,926
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,297
−HK$377/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,445
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$361/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,968/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,913
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$440/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,478
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$421/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$565/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$541/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,375 · 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).