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$706/mo
▼ 0.25% · 3.875%
HK$11,612
−HK$356/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,696
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,936/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,125 · 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$111,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,514
−HK$848/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$111,125 · 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$16,682
+HK$835/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$111,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$498/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,540
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$477/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$641/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$613/mo
Today · 4.125%
HK$23,770
baseline
▲ 0.50% · 4.625%
HK$25,023
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,540/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,125 · 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).