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$10,945
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,286
−HK$345/mo
Today · 4.125%
HK$11,631
baseline
▲ 0.50% · 4.625%
HK$12,339
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,262/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,176
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$331/mo
Today · 4.125%
HK$12,834
baseline
▲ 0.50% · 4.625%
HK$13,511
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,668/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,134
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$415/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,612
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$398/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,213
+HK$812/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,323
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$484/mo
Today · 4.125%
HK$16,284
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,568/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,047
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$464/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,936/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,701
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$623/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,917
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$596/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,495 · 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).