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$11,376
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$360/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,656
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$344/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,652
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$432/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$413/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$503/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$482/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$647/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$620/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,256 · 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).