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$11,323
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$358/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,066/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,596
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$343/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,587
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$429/mo
Today · 4.125%
HK$14,439
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,878/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,116
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$411/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,864/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$501/mo
Today · 4.125%
HK$16,846
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,692/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$480/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,568
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$644/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$617/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,158
+HK$1,259/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,726 · 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).