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$11,285
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$356/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,984/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,554
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$341/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,464/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,542
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$428/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,065
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$410/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$499/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$1,022/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$478/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,502
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,944
−HK$642/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$614/mo
Today · 4.125%
HK$23,818
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,636/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,351 · 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).