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$11,297
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$357/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,010/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,568
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$342/mo
Today · 4.125%
HK$13,247
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,494/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$428/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$410/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,792/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,816
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$500/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,614/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$479/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,523
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$642/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$616/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,470 · 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).