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$11,334
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,686
−HK$359/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,778
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,090/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,609
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,947
−HK$343/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,580/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$430/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,908/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,131
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$412/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,896/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$502/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,889
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,652
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$480/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$644/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,320/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$617/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,836 · 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).