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$11,320
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$358/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,060/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,594
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$343/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,584
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,007
−HK$429/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,872/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$411/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$839/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$501/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$480/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$979/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$644/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,318/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$617/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,260/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,700 · 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).