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$11,281
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$356/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,976/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,550
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$342/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$13,925
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,456/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$428/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$409/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$500/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$478/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$642/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$614/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,312 · 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).