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$711/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$358/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,796
+HK$734/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,124/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,627
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$344/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,011
+HK$701/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$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$431/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$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,153
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$413/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$841/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$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$502/mo
Today · 4.125%
HK$16,887
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,774/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,678
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,152
−HK$481/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$983/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$645/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,321/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$618/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,000 · 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).