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$11,291
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$357/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,998/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$342/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$697/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,549
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$429/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,073
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$410/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$499/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$478/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$642/mo
Today · 4.125%
HK$21,598
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,196/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$615/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,410 · 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).