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$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$357/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$341/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,476/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$428/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,794/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$500/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$479/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$976/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$642/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$615/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,399 · 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).