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$11,364
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$359/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,152/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,642
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$344/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,637
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$431/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$413/mo
Today · 4.125%
HK$15,990
baseline
▲ 0.50% · 4.625%
HK$16,833
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,980/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$503/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$481/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$647/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,322/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$619/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,265/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,131 · 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).