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$11,274
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,625
−HK$356/mo
Today · 4.125%
HK$11,981
baseline
▲ 0.50% · 4.625%
HK$12,710
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,962/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,543
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$341/mo
Today · 4.125%
HK$13,220
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,440/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,529
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$428/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$409/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$499/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$477/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,294
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$642/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$615/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,249 · 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).