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$712/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$359/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,156/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,644
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$344/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,654/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,148 · 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$112,148 · 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$112,148 · 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$17,938
+HK$1,028/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$112,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$482/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$983/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$647/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,323/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$619/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,264/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,148 · 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).