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$11,276
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$356/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,966/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,545
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,881
−HK$341/mo
Today · 4.125%
HK$13,222
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,444/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,531
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$428/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,255
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$410/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,734/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$499/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,562
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,034
−HK$477/mo
Today · 4.125%
HK$18,511
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,022/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$642/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,312/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,580
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$614/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,266 · 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).