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$11,373
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$360/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$735/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$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$344/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,648
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$431/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,183
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$413/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$843/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$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$503/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$482/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,342/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$647/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$23,080
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$620/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,226 · 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).