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$11,372
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$360/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,170/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,651
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$344/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,668/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,646
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$432/mo
Today · 4.125%
HK$14,502
baseline
▲ 0.50% · 4.625%
HK$15,384
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$29,004/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,181
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,588
−HK$413/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$32,002/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,920
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$504/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,948
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$482/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$620/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,207 · 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).