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$11,254
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$356/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,920/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,520
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$340/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$696/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$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,505
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$427/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$409/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$498/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$477/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$641/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,536
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$614/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,044 · 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).