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$10,938
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$346/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,248/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,168
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$331/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,650/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,125
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$415/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$849/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,896/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,602
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$398/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,782/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,313
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,789
−HK$484/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,546/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,035
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$464/mo
Today · 4.125%
HK$17,956
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,912/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,688
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$622/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,273/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$596/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,168 · 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).