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$11,432
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$361/mo
Today · 4.125%
HK$12,149
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,298/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,718
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$346/mo
Today · 4.125%
HK$13,405
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,810/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,718
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$434/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,466
+HK$887/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,262
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$415/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$848/mo
Deposit HK$2.01M · loan HK$3.01M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,005
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$506/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,018/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$484/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,534/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$650/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$623/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,804 · 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).