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$11,249
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$356/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,910/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$341/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,499
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$427/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,018
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$408/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,749
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$498/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,474/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$476/mo
Today · 4.125%
HK$18,467
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,934/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,249
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$640/mo
Today · 4.125%
HK$21,519
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,038/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,527
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$613/mo
Today · 4.125%
HK$23,744
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,488/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,840 · 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).