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$11,285
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$357/mo
Today · 4.125%
HK$11,993
baseline
▲ 0.50% · 4.625%
HK$12,723
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,986/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,555
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$342/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,466/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,542
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$428/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,065
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$409/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$499/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$1,022/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,048
−HK$478/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$642/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,901
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$615/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,075
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,354 · 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).