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$11,298
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$357/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,012/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,569
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$342/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,496/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,557
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$428/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$410/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,794/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$500/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$479/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$643/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$616/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,478 · 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).