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$11,307
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,659
−HK$358/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,034/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,579
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$342/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,518/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$429/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$877/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,840/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$411/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,323
−HK$500/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,847
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,646/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,611
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$479/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$643/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$616/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,575 · 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).