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$11,242
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$355/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$341/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,366/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,491
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$427/mo
Today · 4.125%
HK$14,337
baseline
▲ 0.50% · 4.625%
HK$15,209
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,674/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,411
−HK$408/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,653
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,739
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$497/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$477/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$639/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$613/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,531 · 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).