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$11,349
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$359/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,122/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$344/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,616/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$431/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$880/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,151
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$412/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,888
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$502/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$481/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,613
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$646/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$619/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,262/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$111,984 · 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).