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$11,430
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$361/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,292/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,715
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$346/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,804/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,715
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$434/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,258
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$415/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,001
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$506/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$18,039
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,801
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$484/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,573
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$650/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,331/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$623/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,779 · 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).