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$11,306
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$357/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,030/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,578
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$342/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$13,956
+HK$699/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,567
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$429/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,295
+HK$877/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,093
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$411/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,818/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,828
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$500/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,609
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$479/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$979/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$643/mo
Today · 4.125%
HK$21,627
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,316/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$43,254/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$616/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,258/mo
Deposit HK$496K · loan HK$4.46M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,560 · 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).