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$11,270
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$356/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,538
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$341/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,430/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,524
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$427/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,744/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$409/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,778
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$499/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,553
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$477/mo
Today · 4.125%
HK$18,501
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,002/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$641/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$614/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,206 · 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).