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$11,352
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$359/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,128/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,629
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$344/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,622/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,622
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,046
−HK$430/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,357
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,154
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,561
−HK$412/mo
Today · 4.125%
HK$15,973
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,946/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$502/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$481/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$983/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,433
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,069
−HK$646/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$619/mo
Today · 4.125%
HK$23,960
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,920/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,012 · 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).