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$11,338
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$358/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,098/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,613
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$343/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$430/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$880/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$412/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$502/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,738/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,659
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$481/mo
Today · 4.125%
HK$18,613
baseline
▲ 0.50% · 4.625%
HK$19,594
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,226/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,408
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$645/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$618/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,261/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,876 · 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).