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$11,260
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,610
−HK$356/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,932/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,527
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$341/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,512
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,932
−HK$427/mo
Today · 4.125%
HK$14,359
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,718/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$409/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$835/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$498/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$477/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$640/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,311/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$613/mo
Today · 4.125%
HK$23,766
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,532/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,108 · 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).