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$11,282
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$356/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,888
−HK$341/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$428/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,774/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,061
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$410/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,750/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,795
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,286
−HK$499/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,571
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$478/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,497
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$642/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,592
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$614/mo
Today · 4.125%
HK$23,812
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,624/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,322 · 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).