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$11,376
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$360/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,656
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$345/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$432/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$882/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$414/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$843/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$503/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,955
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$482/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,477
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$647/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$619/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,253 · 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).