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$11,399
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$360/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,681
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$345/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,679
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$433/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$414/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,959
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$504/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$483/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$649/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,826
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$621/mo
Today · 4.125%
HK$24,060
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,120/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,478 · 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).