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$11,258
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$355/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,928/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,525
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$341/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,510
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$427/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,030
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$409/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,762
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$498/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$477/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,896
−HK$640/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,847
+HK$1,311/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$613/mo
Today · 4.125%
HK$23,763
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,526/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,092 · 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).