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$11,336
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,689
−HK$358/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,094/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,612
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$343/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,586/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,604
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$430/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,914/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$412/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,904/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,871
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$501/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,656
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$480/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,591
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$645/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,320/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$617/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,262/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,861 · 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).