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$11,273
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$356/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,960/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,542
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$341/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,438/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,528
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$427/mo
Today · 4.125%
HK$14,376
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,752/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,050
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$410/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,699
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,726/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,783
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,274
−HK$498/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,544/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,558
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$478/mo
Today · 4.125%
HK$18,507
baseline
▲ 0.50% · 4.625%
HK$19,482
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,014/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$642/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$614/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,255/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,239 · 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).