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$9,402
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$297/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$608/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$19,982/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$285/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$581/mo
Deposit HK$2.06M · loan HK$2.06M · min. income ≈ HK$22,050/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$357/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$729/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$341/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$698/mo
Deposit HK$1.65M · loan HK$2.47M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$416/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$851/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$398/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$814/mo
Deposit HK$1.24M · loan HK$2.89M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$535/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$1,094/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$512/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,046/mo
Deposit HK$412K · loan HK$3.71M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$24,730 · 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).