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$11,369
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$359/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,648
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$344/mo
Today · 4.125%
HK$13,332
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,664/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,643
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$431/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,998/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,178
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$413/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,917
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,412
−HK$503/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$481/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$646/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,767
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,378
−HK$619/mo
Today · 4.125%
HK$23,997
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$47,994/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,186 · 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).