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$11,318
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$357/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,054/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,591
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$342/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$13,971
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,581
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$429/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,866/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$411/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,765
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,845
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$500/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$479/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$980/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$643/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,318/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$617/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,676 · 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).