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$11,344
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,697
−HK$358/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,789
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,620
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$344/mo
Today · 4.125%
HK$13,302
baseline
▲ 0.50% · 4.625%
HK$14,003
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,604/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,613
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$430/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$881/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,144
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$412/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$842/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,882
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,376
−HK$501/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,754/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$481/mo
Today · 4.125%
HK$18,623
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,246/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,419
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$646/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,716
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,935 · 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).