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$11,255
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$356/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,922/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,521
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$341/mo
Today · 4.125%
HK$13,198
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,396/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$427/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,227
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,706/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,026
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$408/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$497/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,530
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$477/mo
Today · 4.125%
HK$18,477
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,954/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$640/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,840
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,143
−HK$613/mo
Today · 4.125%
HK$23,756
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,512/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,060 · 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).