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$11,301
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$357/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$342/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,562
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$429/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,289
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,087
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$410/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$839/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,822
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$500/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,602
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$479/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$643/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,631
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$615/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,111
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,514 · 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).