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$9,567
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$302/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$619/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$20,332/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$290/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$591/mo
Deposit HK$2.10M · loan HK$2.10M · min. income ≈ HK$22,436/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,480
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$363/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$742/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$24,400/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,771
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,114
−HK$347/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,171
+HK$710/mo
Deposit HK$1.68M · loan HK$2.52M · min. income ≈ HK$26,922/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,393
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$423/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$15,099
+HK$866/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$28,466/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,900
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$406/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$828/mo
Deposit HK$1.26M · loan HK$2.94M · min. income ≈ HK$31,410/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,755
−HK$545/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$1,113/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$521/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,064/mo
Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,177 · 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).