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$11,278
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$356/mo
Today · 4.125%
HK$11,985
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,970/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,546
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$341/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,448/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,533
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$428/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$409/mo
Today · 4.125%
HK$15,869
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,738/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,789
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$499/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,565
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$478/mo
Today · 4.125%
HK$18,514
baseline
▲ 0.50% · 4.625%
HK$19,490
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,028/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,932
−HK$641/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$615/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,283 · 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).