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$11,361
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$359/mo
Today · 4.125%
HK$12,073
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,146/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$344/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,644/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,633
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$431/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$882/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$412/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,905
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$503/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$482/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,634
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,450
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$646/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,323/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$619/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,103 · 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).