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$11,322
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$358/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,596
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$343/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$429/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,317
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,115
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$411/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,851
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$501/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,870
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,634
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$480/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,566
+HK$979/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,380
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$645/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,975
+HK$1,317/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,672
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$617/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,718 · 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).