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$11,342
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$359/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$733/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,618
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$343/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$701/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$430/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$881/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,928/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$412/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$841/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,920/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,879
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$502/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$1,027/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$481/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,602
+HK$982/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,416
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$646/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,320/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$618/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,202
+HK$1,262/mo
Deposit HK$497K · loan HK$4.48M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$609K (deposit + AVD stamp duty HK$111,919 · 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).