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$10,965
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$347/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,306/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,199
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,526
−HK$332/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,716/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$415/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,834
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,638
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$398/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,858/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,351
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$485/mo
Today · 4.125%
HK$16,314
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,628/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$465/mo
Today · 4.125%
HK$18,001
baseline
▲ 0.50% · 4.625%
HK$18,950
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,002/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,351
−HK$624/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,251
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$597/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,364
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,377 · 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).