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$11,252
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$356/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,518
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$340/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,890
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$426/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,424
−HK$409/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,668
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$498/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,525
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$477/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,884
−HK$640/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,834
+HK$1,310/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,532
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$613/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,252/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,962 · 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).