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$11,288
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$357/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$341/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$428/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,271
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,790/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,070
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$410/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$499/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$478/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,319
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$642/mo
Today · 4.125%
HK$21,593
baseline
▲ 0.50% · 4.625%
HK$22,907
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,186/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$615/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,255/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,384 · 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).