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$11,298
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$357/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$730/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$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,569
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$342/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,496/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$428/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,816/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$410/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,484 · 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$17,832
+HK$1,022/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$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,597
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,069
−HK$479/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$977/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$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$642/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$616/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,484 · 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).