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$11,292
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,563
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$341/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$429/mo
Today · 4.125%
HK$14,401
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,802/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,075
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$410/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$500/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$479/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$642/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,613
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$616/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,426 · 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).