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$11,315
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$358/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,050/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,588
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$342/mo
Today · 4.125%
HK$13,268
baseline
▲ 0.50% · 4.625%
HK$13,968
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,536/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,578
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$429/mo
Today · 4.125%
HK$14,430
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,860/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$411/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,841
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$501/mo
Today · 4.125%
HK$16,835
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,670/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$480/mo
Today · 4.125%
HK$18,576
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,152/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,368
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$644/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,659
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$617/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,652 · 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).