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$9,195
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$291/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$594/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$19,544/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,230
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$278/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,351
+HK$569/mo
Deposit HK$2.02M · loan HK$2.02M · min. income ≈ HK$21,564/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,034
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$349/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$714/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$334/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$682/mo
Deposit HK$1.61M · loan HK$2.42M · min. income ≈ HK$25,878/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,873
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,274
−HK$407/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$832/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$390/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$796/mo
Deposit HK$1.21M · loan HK$2.82M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,551
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$523/mo
Today · 4.125%
HK$17,589
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$1,071/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$35,178/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,413
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,907
−HK$501/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,023/mo
Deposit HK$403K · loan HK$3.63M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$410K (deposit + AVD stamp duty HK$6,605 · 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).