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$11,363
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$359/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,152/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,642
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$344/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,636
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$431/mo
Today · 4.125%
HK$14,491
baseline
▲ 0.50% · 4.625%
HK$15,373
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,982/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,170
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$413/mo
Today · 4.125%
HK$15,990
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,980/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$502/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,698
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$482/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$983/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,454
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$647/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,322/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$619/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,265/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,127 · 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).