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$11,293
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$357/mo
Today · 4.125%
HK$12,002
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,004/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,564
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$342/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,486/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,552
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$428/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$410/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,729
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$499/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$479/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$642/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$616/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,436 · 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).