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$11,292
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$357/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$342/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$428/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,276
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,800/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,075
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$410/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$499/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$478/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$978/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$642/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,315/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$615/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,423 · 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).