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$11,281
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$357/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,550
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,887
−HK$341/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,538
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$427/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,262
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$410/mo
Today · 4.125%
HK$15,874
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,748/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,794
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$499/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$478/mo
Today · 4.125%
HK$18,520
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,040/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$642/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$615/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,066
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,316 · 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).