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$11,322
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$358/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,595
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$343/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$429/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,876/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$411/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,850
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$501/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,869
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$480/mo
Today · 4.125%
HK$18,586
baseline
▲ 0.50% · 4.625%
HK$19,566
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,172/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,379
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$644/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,975
+HK$1,318/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$617/mo
Today · 4.125%
HK$23,896
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,792/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,715 · 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).