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$11,319
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,671
−HK$358/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,058/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,592
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$342/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$13,972
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$429/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,111
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$411/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$839/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,846
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$501/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$479/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$980/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$616/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,150
+HK$1,260/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,688 · 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).