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$11,315
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$358/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,048/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$342/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,577
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,000
−HK$429/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,307
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,858/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,105
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,510
−HK$411/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,760
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,840
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,333
−HK$501/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,622
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$479/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,553
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$643/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$616/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,140
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,645 · 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).