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$11,284
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$357/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,984/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,554
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$342/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,464/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$410/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,798
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$500/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,575
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$479/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$642/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,203
−HK$614/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,346 · 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).