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$11,300
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$357/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,739
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,018/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,571
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,908
−HK$342/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,500/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$428/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$411/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,820
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$500/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,600
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$479/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$643/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$616/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,257/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,502 · 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).