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$709/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$357/mo
Today · 4.125%
HK$12,004
baseline
▲ 0.50% · 4.625%
HK$12,734
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,008/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,566
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$342/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,554
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$428/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,281
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,079
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$411/mo
Today · 4.125%
HK$15,894
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,788/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$500/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$479/mo
Today · 4.125%
HK$18,543
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,086/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,331
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,964
−HK$642/mo
Today · 4.125%
HK$21,606
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,212/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$616/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,097
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,454 · 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).