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$11,328
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$358/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,078/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,603
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$343/mo
Today · 4.125%
HK$13,284
baseline
▲ 0.50% · 4.625%
HK$13,984
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,568/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$430/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,894/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$411/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,860
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$501/mo
Today · 4.125%
HK$16,854
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,708/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$480/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,194/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,026
−HK$644/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$618/mo
Today · 4.125%
HK$23,911
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,822/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,782 · 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).