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$11,427
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,783
−HK$361/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,288/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,713
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$346/mo
Today · 4.125%
HK$13,399
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,798/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,713
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,139
−HK$433/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,459
+HK$887/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,255
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$415/mo
Today · 4.125%
HK$16,079
baseline
▲ 0.50% · 4.625%
HK$16,927
+HK$848/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,158/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,998
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,496
−HK$505/mo
Today · 4.125%
HK$17,001
baseline
▲ 0.50% · 4.625%
HK$18,036
+HK$1,035/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,002/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,798
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$484/mo
Today · 4.125%
HK$18,759
baseline
▲ 0.50% · 4.625%
HK$19,748
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,518/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$650/mo
Today · 4.125%
HK$21,859
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,718/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,883
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$623/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,755 · 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).