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$11,313
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$357/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,044/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,586
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$343/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,532/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,998
−HK$429/mo
Today · 4.125%
HK$14,427
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,854/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,103
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$411/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,838
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$500/mo
Today · 4.125%
HK$16,831
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,662/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,620
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$480/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$643/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,957
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$616/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,629 · 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).