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$11,310
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$358/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,040/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,583
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$342/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$428/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$411/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,754
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$500/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$479/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,992
−HK$643/mo
Today · 4.125%
HK$21,635
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,317/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,270/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,256
−HK$616/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,259/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,603 · 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).