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$10,955
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$347/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$708/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,284/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,187
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,514
−HK$331/mo
Today · 4.125%
HK$12,845
baseline
▲ 0.50% · 4.625%
HK$13,522
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,690/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,146
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$415/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,624
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$397/mo
Today · 4.125%
HK$15,414
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,828/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,337
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$484/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$465/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$947/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,968/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$597/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,218/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,914 · 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).