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$11,265
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$356/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$341/mo
Today · 4.125%
HK$13,210
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$696/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$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,518
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$427/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$409/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,771
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$498/mo
Today · 4.125%
HK$16,760
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,520/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,545
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$477/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$641/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$614/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,158 · 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).