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$11,332
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$358/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$733/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,084/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,606
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,945
−HK$343/mo
Today · 4.125%
HK$13,288
baseline
▲ 0.50% · 4.625%
HK$13,988
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,576/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,598
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$430/mo
Today · 4.125%
HK$14,451
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,902/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,128
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$412/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,890/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,864
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,358
−HK$501/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,649
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$481/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,206/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$644/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$618/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,814 · 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).