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$11,337
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$358/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,096/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,612
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$343/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$700/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,588/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,604
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$430/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,916/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$411/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,904/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,872
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$501/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$1,026/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,734/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$480/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$981/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,407
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$645/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,320/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,702
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$618/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,261/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,866 · 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).