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$713/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$360/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$703/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$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$431/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,010/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,185
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$413/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,924
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$503/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,716
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$482/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$647/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$620/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,237 · 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).