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$11,426
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$361/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,284/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,711
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$345/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,794/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,711
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$433/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$887/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$415/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,996
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,493
−HK$506/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$484/mo
Today · 4.125%
HK$18,756
baseline
▲ 0.50% · 4.625%
HK$19,745
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,512/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$650/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$622/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,272/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,740 · 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).