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$11,429
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,784
−HK$362/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,292/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,714
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,055
−HK$346/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,108
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,802/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$434/mo
Today · 4.125%
HK$14,575
baseline
▲ 0.50% · 4.625%
HK$15,461
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,150/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,257
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$415/mo
Today · 4.125%
HK$16,082
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,164/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,000
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$506/mo
Today · 4.125%
HK$17,004
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,008/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$484/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,751
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$650/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$622/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,772 · 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).