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$11,245
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,595
−HK$355/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,510
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$340/mo
Today · 4.125%
HK$13,186
baseline
▲ 0.50% · 4.625%
HK$13,881
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,372/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$426/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$408/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$497/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$476/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$639/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$613/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,651 · 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).