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$11,375
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$360/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$704/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,075
−HK$431/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,389
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,012/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,186
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$413/mo
Today · 4.125%
HK$16,006
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,012/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$503/mo
Today · 4.125%
HK$16,924
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,848/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$482/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$647/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$619/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,243 · 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).