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$11,279
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$356/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,972/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,548
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$342/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,535
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$428/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,057
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$410/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,742/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,791
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$499/mo
Today · 4.125%
HK$16,781
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,562/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$478/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,302
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,934
−HK$641/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,192
−HK$614/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,294 · 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).