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$11,250
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$355/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,910/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$340/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,500
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$426/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,018
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$409/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,750
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,240
−HK$497/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,756
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,474/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,521
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$477/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$640/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$613/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,859 · 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).