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$11,271
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$356/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,956/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,539
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$341/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,434/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,526
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$428/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$874/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,748/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$409/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$498/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$477/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$641/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$614/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,219 · 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).