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$11,318
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$358/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,056/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,592
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$343/mo
Today · 4.125%
HK$13,272
baseline
▲ 0.50% · 4.625%
HK$13,971
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,544/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,582
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,005
−HK$429/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$878/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,868/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$411/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,846
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$500/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$480/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$644/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$616/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,260/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,682 · 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).