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$9,972
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,282
−HK$315/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,242
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,194/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,093
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$302/mo
Today · 4.125%
HK$11,693
baseline
▲ 0.50% · 4.625%
HK$12,309
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,386/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,966
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$378/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,490
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,432/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$362/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,062/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,960
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$441/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,672/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$423/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$568/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,235
+HK$1,160/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$543/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,109/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,596 · 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).