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$11,271
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$356/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,538
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$341/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$428/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$874/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$409/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$498/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$477/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$641/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$615/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,211 · 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).