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$11,359
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$359/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,142/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,636
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$344/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,630
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,054
−HK$431/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$413/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,825
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,902
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$502/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$1,029/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$482/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,446
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$647/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,322/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$619/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,079 · 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).