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$11,254
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$355/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,520
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,855
−HK$341/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$426/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$408/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,755
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$498/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$477/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$640/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$613/mo
Today · 4.125%
HK$23,753
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,506/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,030 · 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).