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$11,390
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$360/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,841
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,671
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$345/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,060
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,712/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,668
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,093
−HK$432/mo
Today · 4.125%
HK$14,525
baseline
▲ 0.50% · 4.625%
HK$15,409
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,050/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,206
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$413/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$16,872
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,946
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$504/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,977
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$482/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,684
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,502
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$648/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,809
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,420
−HK$621/mo
Today · 4.125%
HK$24,041
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,267/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,082/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,391 · 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).