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$11,420
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$361/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$739/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,272/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,705
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$346/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,097
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,782/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,704
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$433/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,126/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$415/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$505/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$484/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$650/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,868
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$622/mo
Today · 4.125%
HK$24,104
baseline
▲ 0.50% · 4.625%
HK$25,374
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,208/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,684 · 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).