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$11,321
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,673
−HK$358/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,763
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,062/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,595
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$343/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,550/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,585
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$429/mo
Today · 4.125%
HK$14,437
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,874/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$411/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,849
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$501/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,632
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$480/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$980/mo
Deposit HK$1.49M · loan HK$3.48M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$644/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$617/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,260/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,709 · 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).