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$11,275
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$356/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,964/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,544
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$341/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,442/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,530
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$428/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,758/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$409/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,730/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$499/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,550/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,561
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$478/mo
Today · 4.125%
HK$18,510
baseline
▲ 0.50% · 4.625%
HK$19,485
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,020/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$641/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,578
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$614/mo
Today · 4.125%
HK$23,798
baseline
▲ 0.50% · 4.625%
HK$25,053
+HK$1,255/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,596/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,256 · 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).