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$10,934
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$345/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$707/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,238/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$331/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$675/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,642/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$415/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$848/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$397/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$811/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,307
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$484/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$990/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,534/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,029
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$464/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$946/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,680
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,292
−HK$622/mo
Today · 4.125%
HK$20,914
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,273/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$41,828/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,894
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,481
−HK$596/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,216/mo
Deposit HK$479K · loan HK$4.32M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,986 · 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).