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$11,305
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,657
−HK$357/mo
Today · 4.125%
HK$12,014
baseline
▲ 0.50% · 4.625%
HK$12,745
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,028/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,577
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,914
−HK$343/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$13,955
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,567
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$428/mo
Today · 4.125%
HK$14,417
baseline
▲ 0.50% · 4.625%
HK$15,295
+HK$878/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,834/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,093
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,497
−HK$411/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$839/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,828
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$500/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$479/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$643/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$616/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,120
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,555 · 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).