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$11,380
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$360/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,829
+HK$735/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,188/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,660
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,000
−HK$344/mo
Today · 4.125%
HK$13,344
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$703/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,688/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,656
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$431/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,395
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,024/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$413/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$504/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,961
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$483/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,484
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$647/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$620/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,290 · 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).