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$11,333
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$358/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,776
+HK$733/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,086/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,608
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$343/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$13,989
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,578/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,599
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$430/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$411/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,892/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,866
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$502/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,651
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$480/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,399
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$645/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$618/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,180
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,824 · 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).