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$11,329
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$358/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,080/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,604
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$343/mo
Today · 4.125%
HK$13,285
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,570/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,595
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$430/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,327
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,896/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$412/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,861
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$502/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,712/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,645
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$481/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,393
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$645/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$617/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,173
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,790 · 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).