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$11,263
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$356/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,938/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,530
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$341/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$427/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$409/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$835/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,768
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$499/mo
Today · 4.125%
HK$16,757
baseline
▲ 0.50% · 4.625%
HK$17,776
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,514/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,012
−HK$477/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,464
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$640/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,855
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$613/mo
Today · 4.125%
HK$23,772
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,544/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,135 · 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).