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$10,953
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$346/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$709/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$23,278/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,511
−HK$332/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$677/mo
Deposit HK$2.40M · loan HK$2.40M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,143
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$415/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$850/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,621
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$397/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$813/mo
Deposit HK$1.92M · loan HK$2.88M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,334
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$485/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$992/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$32,590/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,058
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$464/mo
Today · 4.125%
HK$17,980
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$948/mo
Deposit HK$1.44M · loan HK$3.36M · min. income ≈ HK$35,960/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$623/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,275/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,932
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$597/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,219/mo
Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,819 · 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).