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$11,308
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$358/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,749
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,581
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,918
−HK$342/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,570
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,992
−HK$429/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,842/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$411/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,324
−HK$501/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,848
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,613
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,085
−HK$479/mo
Today · 4.125%
HK$18,564
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,128/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,988
−HK$644/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$616/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,584 · 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).