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$11,336
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,689
−HK$358/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,094/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,611
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$344/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$13,993
+HK$700/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,586/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,603
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$430/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,912/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$412/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,870
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$502/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$481/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,405
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$645/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,320/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$618/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,188
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,856 · 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).