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$11,253
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$355/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$341/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$427/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$409/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,755
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$498/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,997
−HK$477/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$641/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,309/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$613/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,019 · 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).