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$11,293
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$730/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,563
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$342/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$698/mo
Deposit HK$2.48M · loan HK$2.48M · min. income ≈ HK$26,484/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$428/mo
Today · 4.125%
HK$14,401
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,802/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,076
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$410/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$838/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$499/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,824
+HK$1,023/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$479/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,516
+HK$977/mo
Deposit HK$1.49M · loan HK$3.47M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$643/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,314/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$615/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,257/mo
Deposit HK$495K · loan HK$4.46M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$111,430 · 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).