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$11,346
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$358/mo
Today · 4.125%
HK$12,057
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,114/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,622
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$344/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$431/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$880/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,938/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,146
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$412/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$841/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$502/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,671
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$480/mo
Today · 4.125%
HK$18,625
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,250/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$646/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,320/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$618/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,209
+HK$1,262/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,952 · 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).