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$11,335
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$358/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,778
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,090/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$343/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$700/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,582/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$429/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,131
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$412/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$501/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,653
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$480/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,037
−HK$645/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$618/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,842 · 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).