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$10,954
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$347/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,282/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,186
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$331/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,688/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,553
−HK$416/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,938/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,623
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$398/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,226
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,335
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$485/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,289
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,518
−HK$464/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$18,930
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$623/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,935
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$597/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,874 · 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).