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$11,327
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$358/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,770
+HK$733/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$343/mo
Today · 4.125%
HK$13,282
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,564/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,592
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$430/mo
Today · 4.125%
HK$14,445
baseline
▲ 0.50% · 4.625%
HK$15,324
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,890/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,121
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$411/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$501/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$480/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$644/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,682
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$617/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,767 · 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).