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$11,312
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$358/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,044/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,585
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$343/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,530/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$429/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$411/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$500/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,619
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$480/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,996
−HK$643/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,317/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,653
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$617/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,623 · 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).