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$11,345
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$358/mo
Today · 4.125%
HK$12,056
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,112/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,621
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$343/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,004
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,606/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,614
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,037
−HK$431/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$880/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$412/mo
Today · 4.125%
HK$15,964
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$841/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,928/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$502/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,758/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$481/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,056
−HK$645/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$23,022
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$618/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,944 · 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).