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$11,368
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$359/mo
Today · 4.125%
HK$12,080
baseline
▲ 0.50% · 4.625%
HK$12,815
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,160/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,646
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$345/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,660/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,641
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$432/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$412/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$844/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,990/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,915
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$503/mo
Today · 4.125%
HK$16,913
baseline
▲ 0.50% · 4.625%
HK$17,942
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,826/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,705
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,180
−HK$481/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$647/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,323/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$619/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,168 · 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).