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$11,357
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$359/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,140/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,635
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$344/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,020
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,636/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,629
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,053
−HK$431/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,365
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$412/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,824
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$502/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$1,029/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,689
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$482/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$982/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,322/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$619/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,235
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,067 · 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).