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$11,371
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$359/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,168/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,650
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$344/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,645
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$432/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,180
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$413/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$844/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$504/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$482/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,104
−HK$647/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$619/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,265/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,201 · 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).