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$11,374
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$359/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$736/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,174/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$344/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,674/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$432/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$882/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,010/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,184
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$413/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,924
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$503/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,844/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$482/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,110
−HK$647/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$620/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,231 · 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).