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$11,354
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$359/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,132/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,631
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$343/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,624
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,048
−HK$431/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,360
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$413/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,895
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$502/mo
Today · 4.125%
HK$16,892
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,784/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,683
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$482/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$982/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$646/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,322/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$619/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,030 · 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).