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$9,882
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$313/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,004/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,994
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$300/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,176/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,858
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$375/mo
Today · 4.125%
HK$12,602
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,204/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,192
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$359/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,638
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,810/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,835
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,265
−HK$437/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,391
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$419/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,078
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,788
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,341
−HK$562/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$539/mo
Today · 4.125%
HK$20,858
baseline
▲ 0.50% · 4.625%
HK$21,957
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,716/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,006 · 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).