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$11,312
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$357/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,585
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$342/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$429/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$410/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,756
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$500/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,618
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$479/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$644/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,652
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$616/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,259/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,620 · 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).