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$708/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$357/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,735
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,010/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,567
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$342/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,492/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$429/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$410/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,815
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$500/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,614/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$479/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$643/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$615/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,467 · 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).