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$11,366
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$359/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,645
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,984
−HK$344/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,656/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,639
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$431/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,173
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$413/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,912
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$503/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,939
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,177
−HK$482/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$983/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,459
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$647/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,323/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$619/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,264/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,152 · 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).