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$11,347
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$359/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,118/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,624
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$344/mo
Today · 4.125%
HK$13,306
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,612/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,617
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$431/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$880/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,148
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,555
−HK$412/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,808
+HK$841/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,934/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,886
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$502/mo
Today · 4.125%
HK$16,882
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,764/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$481/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$646/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$618/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,967 · 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).