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$11,291
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$356/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$731/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$23,998/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,561
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$342/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$428/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,478
−HK$410/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,808
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$499/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$1,022/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,598/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$478/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$642/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$615/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,256/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,415 · 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).