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$11,272
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$356/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,956/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,540
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$341/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,434/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,526
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$427/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,748/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$409/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$499/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$478/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,289
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$641/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$615/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,221 · 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).