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$11,311
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$358/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,584
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$343/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$13,963
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,574
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$429/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,850/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$410/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,329
−HK$500/mo
Today · 4.125%
HK$16,829
baseline
▲ 0.50% · 4.625%
HK$17,853
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,658/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,617
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,090
−HK$479/mo
Today · 4.125%
HK$18,569
baseline
▲ 0.50% · 4.625%
HK$19,548
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,138/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$643/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,317/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$617/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,613 · 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).