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$9,216
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$291/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$596/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,588/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,253
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$279/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$570/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,614/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,060
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$349/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$715/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$334/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$684/mo
Deposit HK$1.62M · loan HK$2.43M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$408/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$834/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$391/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$797/mo
Deposit HK$1.21M · loan HK$2.83M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$525/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$1,072/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$502/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,026/mo
Deposit HK$404K · loan HK$3.64M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$8,454 · 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).