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$11,353
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,706
−HK$359/mo
Today · 4.125%
HK$12,065
baseline
▲ 0.50% · 4.625%
HK$12,799
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,130/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,630
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$343/mo
Today · 4.125%
HK$13,312
baseline
▲ 0.50% · 4.625%
HK$14,014
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,624/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,623
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$431/mo
Today · 4.125%
HK$14,478
baseline
▲ 0.50% · 4.625%
HK$15,359
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,956/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,156
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$413/mo
Today · 4.125%
HK$15,975
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,950/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,388
−HK$503/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,918
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$481/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$646/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$619/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,022 · 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).