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$11,301
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$358/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,572
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$342/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,502/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,561
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$428/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,087
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$411/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,821
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,313
−HK$500/mo
Today · 4.125%
HK$16,813
baseline
▲ 0.50% · 4.625%
HK$17,836
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,626/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$479/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$643/mo
Today · 4.125%
HK$21,617
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,234/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$615/mo
Today · 4.125%
HK$23,852
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,704/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,510 · 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).