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$11,425
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$361/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,880
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,710
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$346/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$706/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,794/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,710
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$434/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,456
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,252
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$415/mo
Today · 4.125%
HK$16,076
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$848/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,152/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$506/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$18,032
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,996/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,794
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,271
−HK$485/mo
Today · 4.125%
HK$18,756
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$988/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,512/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$649/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$622/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,734 · 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).