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$11,287
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$357/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,557
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$342/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$428/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,269
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,788/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,068
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$410/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$500/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,051
−HK$478/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,506
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$642/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$615/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,372 · 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).