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$11,266
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$357/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,946/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$341/mo
Today · 4.125%
HK$13,210
baseline
▲ 0.50% · 4.625%
HK$13,907
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,420/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$427/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$410/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$835/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,772
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$499/mo
Today · 4.125%
HK$16,762
baseline
▲ 0.50% · 4.625%
HK$17,781
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,524/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,547
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,017
−HK$478/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,470
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$641/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$614/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,166 · 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).