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$11,256
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,606
−HK$356/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,924/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,522
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,858
−HK$341/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$427/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,027
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$409/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$498/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,002
−HK$477/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$640/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,540
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$613/mo
Today · 4.125%
HK$23,758
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,516/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,070 · 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).