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$11,261
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$356/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,934/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,528
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,864
−HK$340/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,513
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$427/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,033
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$409/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$498/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,539
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$477/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,461
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$641/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$614/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,115 · 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).