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$11,299
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,651
−HK$357/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,016/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,570
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$342/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,498/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,559
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$428/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,286
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,818/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$410/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$500/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,834
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,622/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$479/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,339
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$643/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$616/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,257/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,494 · 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).