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$10,924
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$345/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,316
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,218/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,153
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,479
−HK$331/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,485
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,620/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$414/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$848/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$27,862/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,584
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$397/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$810/mo
Deposit HK$1.92M · loan HK$2.87M · min. income ≈ HK$30,744/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,294
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$483/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,506/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,014
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$463/mo
Today · 4.125%
HK$17,934
baseline
▲ 0.50% · 4.625%
HK$18,879
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,868/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$622/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,271/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$596/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,215/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,582 · 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).