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$11,320
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$357/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,058/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$342/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$700/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$879/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$28,870/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$411/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$840/mo
Deposit HK$1.99M · loan HK$2.98M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$501/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$1,025/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$480/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$644/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$617/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,694 · 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).