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$9,777
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$632/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,877
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$296/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$604/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,930/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,733
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$371/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,936/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$356/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$725/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,516/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,688
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$432/mo
Today · 4.125%
HK$14,546
baseline
▲ 0.50% · 4.625%
HK$15,431
+HK$885/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,092/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,228
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$414/mo
Today · 4.125%
HK$16,050
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,100/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,599
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$556/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$532/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,088/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$57,645 · 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).