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$11,426
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$361/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,284/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,711
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$346/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$706/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,796/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,711
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$434/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,142/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$415/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$16,925
+HK$848/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,996
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$505/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$484/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,514/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$650/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$623/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,742 · 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).