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$11,302
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$357/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,022/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,574
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$342/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,506/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,563
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$428/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,088
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$411/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,823
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$500/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,603
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$479/mo
Today · 4.125%
HK$18,554
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,108/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$643/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,935
+HK$1,315/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,633
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,240
−HK$615/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,523 · 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).