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$11,295
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,646
−HK$357/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,733
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,006/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,565
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$342/mo
Today · 4.125%
HK$13,244
baseline
▲ 0.50% · 4.625%
HK$13,942
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,488/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,553
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,975
−HK$428/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,078
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,482
−HK$411/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$500/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,608/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$478/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$642/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,920
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$615/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,447 · 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).