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$11,341
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$359/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,616
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$343/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,609
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$430/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,924/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$411/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$842/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$501/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,663
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$480/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$645/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$618/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,902 · 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).