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$11,343
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$358/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$343/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$430/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,930/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$412/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$842/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,920/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$502/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$481/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,602
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,417
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,052
−HK$645/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$618/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,922 · 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).