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$11,368
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$359/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$344/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,660/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,642
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$431/mo
Today · 4.125%
HK$14,497
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$883/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,994/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$412/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$844/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,916
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$503/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$482/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,646
+HK$983/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,463
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$647/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,323/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$620/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,259
+HK$1,264/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,175 · 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).