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$10,927
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$346/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$706/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,226/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,157
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$330/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$414/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$397/mo
Today · 4.125%
HK$15,376
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,752/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$484/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$989/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$463/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$945/mo
Deposit HK$1.44M · loan HK$3.35M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$622/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,272/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$595/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,216/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,717 · 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).