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$11,262
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$356/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,938/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,529
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,865
−HK$341/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$13,902
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,412/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,515
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$427/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,724/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$409/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$498/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,512/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,541
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$478/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$640/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,854
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,553
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$614/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,129 · 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).