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$11,317
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$357/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,590
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$343/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,540/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,580
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$429/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,310
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,862/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,108
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$411/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$839/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,843
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$501/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,674/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,625
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$480/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,557
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,156/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,003
−HK$644/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,964
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$617/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,145
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,665 · 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).