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$11,304
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$357/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,575
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,913
−HK$342/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$13,954
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,565
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$428/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,091
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$411/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$500/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$479/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,535
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$643/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$616/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,257/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,540 · 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).