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$10,953
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$346/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,280/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,512
−HK$331/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$416/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,818
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,936/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$398/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,225
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,334
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$485/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$991/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$464/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$623/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$596/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,219/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,843 · 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).