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$11,299
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$357/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,014/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,570
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$342/mo
Today · 4.125%
HK$13,249
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,498/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,559
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$429/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,286
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,818/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$411/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,818
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$500/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$478/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,096/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$643/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$616/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,257/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,489 · 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).