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$10,939
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$346/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,169
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$331/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$415/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,798
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,900/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,603
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$397/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,314
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$484/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,037
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$463/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,690
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$622/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,274/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,904
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$596/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,217/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$97,213 · 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).