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$11,351
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$359/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,126/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,628
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$344/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,620/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$430/mo
Today · 4.125%
HK$14,475
baseline
▲ 0.50% · 4.625%
HK$15,356
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,950/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,153
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$412/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,944/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$502/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$481/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$646/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$618/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,004 · 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).