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$11,253
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$356/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$340/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,390/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$426/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$409/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$498/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$477/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,447
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,310/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$613/mo
Today · 4.125%
HK$23,751
baseline
▲ 0.50% · 4.625%
HK$25,003
+HK$1,252/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,502/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,995 · 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).