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$11,309
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$357/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,581
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$342/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$13,960
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,571
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$429/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$877/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,844/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$411/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$501/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$479/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,356
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$643/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,949
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$616/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,128
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,591 · 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).