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$11,330
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$359/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,773
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,082/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,605
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$343/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,596
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$430/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,898/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,125
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$412/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,862
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,355
−HK$502/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,882
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,646
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$480/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$645/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$617/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,797 · 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).