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$11,259
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$356/mo
Today · 4.125%
HK$11,965
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,930/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,525
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$341/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,511
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$427/mo
Today · 4.125%
HK$14,358
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,716/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,031
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$409/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$835/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$498/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,502/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$477/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,966/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$640/mo
Today · 4.125%
HK$21,537
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,074/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,546
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,151
−HK$613/mo
Today · 4.125%
HK$23,764
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,528/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,096 · 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).