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$11,356
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$358/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$735/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,634
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$343/mo
Today · 4.125%
HK$13,316
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$702/mo
Deposit HK$2.49M · loan HK$2.49M · min. income ≈ HK$26,632/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,628
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$430/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$881/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$28,964/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$413/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$842/mo
Deposit HK$1.99M · loan HK$2.99M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,899
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$503/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,924
+HK$1,028/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$481/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$983/mo
Deposit HK$1.49M · loan HK$3.49M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,441
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$646/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,322/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$619/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,263/mo
Deposit HK$498K · loan HK$4.48M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$112,057 · 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).