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$11,293
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,563
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$342/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,484/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,552
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$429/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,804/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,076
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$410/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$500/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$478/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$642/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$615/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,433 · 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).