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$9,979
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$315/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,210/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,102
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$303/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,975
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$378/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,452/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$363/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,971
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$442/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,694/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$423/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$568/mo
Today · 4.125%
HK$19,089
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,161/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,178/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$544/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,646 · 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).