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$11,286
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$357/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,988/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,892
−HK$342/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,468/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$428/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$499/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$1,022/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,582/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,578
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$479/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$642/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$615/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,364 · 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).