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$11,327
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$358/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$342/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$701/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,562/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,592
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$429/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,888/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,121
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,526
−HK$412/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,857
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$502/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$480/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$644/mo
Today · 4.125%
HK$21,666
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,319/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$43,332/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,681
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,289
−HK$618/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,260/mo
Deposit HK$497K · loan HK$4.47M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,763 · 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).