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$11,307
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$358/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,032/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,578
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,916
−HK$342/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,516/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,568
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$429/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$877/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,838/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,094
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$411/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$838/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,829
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$500/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$479/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,352
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$643/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$617/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,257/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,566 · 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).