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$10,931
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$345/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,232/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,161
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$330/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,493
+HK$676/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,634/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,117
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$415/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,880/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$397/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$484/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$989/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,025
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$463/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$621/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,273/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$595/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,217/mo
Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,871 · 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).