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$11,377
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$360/mo
Today · 4.125%
HK$12,091
baseline
▲ 0.50% · 4.625%
HK$12,827
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,182/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,657
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$344/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,682/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$431/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,018/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$413/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,018/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,928
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$503/mo
Today · 4.125%
HK$16,927
baseline
▲ 0.50% · 4.625%
HK$17,957
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,854/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,720
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$482/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,354/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$648/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,783
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$620/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,265 · 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).