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$717/mo
▼ 0.25% · 3.875%
HK$11,782
−HK$361/mo
Today · 4.125%
HK$12,143
baseline
▲ 0.50% · 4.625%
HK$12,882
+HK$739/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$24,286/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,712
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$345/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,105
+HK$707/mo
Deposit HK$2.51M · loan HK$2.51M · min. income ≈ HK$26,796/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,712
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$433/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$887/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,142/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$415/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$848/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,997
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$506/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$34,000/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,796
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$484/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$988/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$650/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$622/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,747 · 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).