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$11,370
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,724
−HK$359/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,166/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,649
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$344/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,644
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$431/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,382
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,179
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$413/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$844/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$503/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,709
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$482/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,332/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$647/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,769
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,380
−HK$619/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,196 · 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).