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$11,347
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$358/mo
Today · 4.125%
HK$12,058
baseline
▲ 0.50% · 4.625%
HK$12,792
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,116/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,623
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$343/mo
Today · 4.125%
HK$13,305
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,610/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$430/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$880/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,940/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,148
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$412/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,808
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$502/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,764/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$481/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,254/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$645/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$618/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,963 · 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).