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$11,252
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$355/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,914/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,517
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,853
−HK$341/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,502
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,922
−HK$427/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,424
−HK$408/mo
Today · 4.125%
HK$15,832
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,664/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,752
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$498/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,480/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,524
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$477/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$640/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,310/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$613/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,939 · 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).