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$709/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$357/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,012/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,475 · 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$13,946
+HK$699/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$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,557
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$428/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$411/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,794/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,816
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$500/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,616/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$479/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,092/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$643/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$615/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,475 · 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).