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$9,864
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$312/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,121
+HK$638/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,966/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,974
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$299/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$609/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,134/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,837
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$374/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,158/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$358/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,760/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,810
−HK$866/mo
▼ 0.25% · 3.875%
HK$14,240
−HK$436/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$893/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,352/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,363
−HK$830/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$418/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,756
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,308
−HK$561/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,148/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$537/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,098/mo
Deposit HK$433K · loan HK$3.89M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$64,890 · 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).