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$11,324
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,676
−HK$358/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,068/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,598
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$343/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,588
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$430/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,882/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,117
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$412/mo
Today · 4.125%
HK$15,934
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,868/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$501/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,694/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$479/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$644/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,979
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,676
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$617/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,259/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,735 · 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).