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$11,266
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$356/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$341/mo
Today · 4.125%
HK$13,210
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,420/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$428/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$409/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,772
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$498/mo
Today · 4.125%
HK$16,761
baseline
▲ 0.50% · 4.625%
HK$17,781
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,522/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,546
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,017
−HK$477/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,469
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,278
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$641/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,861
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$613/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,164 · 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).