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$11,362
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$359/mo
Today · 4.125%
HK$12,074
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,148/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,640
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$343/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$703/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$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,634
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$431/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$413/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$843/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,906
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$503/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,932
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$481/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$984/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$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,451
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$646/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,323/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,108 · 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).