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$11,378
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,732
−HK$360/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,827
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,658
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$345/mo
Today · 4.125%
HK$13,342
baseline
▲ 0.50% · 4.625%
HK$14,045
+HK$703/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,684/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,654
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$432/mo
Today · 4.125%
HK$14,510
baseline
▲ 0.50% · 4.625%
HK$15,393
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,020/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,190
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$413/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$503/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,856/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$483/mo
Today · 4.125%
HK$18,679
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,358/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$647/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,395
−HK$620/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,271 · 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).