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$11,364
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$359/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,154/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,643
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$344/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,637
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$431/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$413/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,910
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$503/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$1,029/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$481/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,640
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,456
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$647/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,322/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$619/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,265/mo
Deposit HK$498K · loan HK$4.49M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,136 · 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).