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$9,838
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$311/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$636/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$20,910/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,944
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$298/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$608/mo
Deposit HK$2.16M · loan HK$2.16M · min. income ≈ HK$23,072/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,805
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$763/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$25,092/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$357/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$729/mo
Deposit HK$1.73M · loan HK$2.59M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$436/mo
Today · 4.125%
HK$14,637
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$890/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$29,274/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$417/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$851/mo
Deposit HK$1.29M · loan HK$3.02M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$559/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,145/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$536/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,095/mo
Deposit HK$431K · loan HK$3.88M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$62,964 · 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).