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$11,303
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$357/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,024/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,575
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$342/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,508/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$428/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$878/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,828/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$411/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,743
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,810/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$500/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,605
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$479/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$643/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$615/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,533 · 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).