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$11,407
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$361/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,691
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$345/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,689
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$432/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$415/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$505/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,767
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$484/mo
Today · 4.125%
HK$18,727
baseline
▲ 0.50% · 4.625%
HK$19,714
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,454/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$649/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,456
−HK$621/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,270/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,561 · 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).