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$713/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$359/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$344/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$431/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,186
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$413/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,014/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,926
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$504/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,955
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$482/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,659
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$647/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$619/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,249 · 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).