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$11,246
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$355/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,902/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,511
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$341/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,374/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,495
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$426/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,013
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$408/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,648/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$497/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$477/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,243
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$640/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$612/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,684 · 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).