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$11,344
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$359/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,620
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$343/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$430/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,932/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$412/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,881
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$502/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,754/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,667
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$481/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$646/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,324
−HK$618/mo
Today · 4.125%
HK$23,942
baseline
▲ 0.50% · 4.625%
HK$25,204
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,884/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,930 · 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).