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$11,286
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$357/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,988/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$341/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,468/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,544
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$428/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,269
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$500/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,578
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$478/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$642/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$615/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,366 · 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).