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$9,459
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$299/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$612/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$20,104/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,523
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$286/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$585/mo
Deposit HK$2.07M · loan HK$2.07M · min. income ≈ HK$22,184/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,351
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$359/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$734/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$24,126/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,628
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$343/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$702/mo
Deposit HK$1.66M · loan HK$2.49M · min. income ≈ HK$26,620/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$418/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$857/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$818/mo
Deposit HK$1.24M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$538/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$1,101/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$515/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,053/mo
Deposit HK$415K · loan HK$3.73M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$29,767 · 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).