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$11,248
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,598
−HK$356/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,908/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,514
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$341/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,885
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,498
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$426/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$409/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,662
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,656/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,748
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$497/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,754
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$477/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,439
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,247
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$640/mo
Today · 4.125%
HK$21,517
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,034/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$613/mo
Today · 4.125%
HK$23,742
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,484/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,795 · 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).