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$10,932
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$345/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,324
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,234/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,161
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$331/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,638/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,118
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$415/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$397/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,304
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$484/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$463/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,892/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$622/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$595/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,217/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,909 · 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).