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$11,373
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$359/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,172/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,652
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$344/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,648
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$431/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,006/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,183
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$413/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$504/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$482/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,471
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$647/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$620/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,221 · 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).