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$11,314
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$357/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$732/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,046/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$343/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,577
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,999
−HK$429/mo
Today · 4.125%
HK$14,428
baseline
▲ 0.50% · 4.625%
HK$15,306
+HK$878/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$28,856/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,104
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$411/mo
Today · 4.125%
HK$15,920
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$839/mo
Deposit HK$1.98M · loan HK$2.98M · min. income ≈ HK$31,840/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,840
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,332
−HK$501/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,857
+HK$1,024/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,094
−HK$479/mo
Today · 4.125%
HK$18,573
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,146/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,365
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$643/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,959
+HK$1,317/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$616/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,259/mo
Deposit HK$496K · loan HK$4.47M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$111,639 · 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).