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$10,964
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,306
−HK$346/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,304/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,198
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,525
−HK$332/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$678/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,157
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$415/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,964/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$398/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,241
+HK$813/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,350
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$485/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,305
+HK$992/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,077
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$465/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$948/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$624/mo
Today · 4.125%
HK$20,974
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,276/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,948/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,545
−HK$597/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$98,343 · 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).