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$11,264
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$356/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,940/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,531
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$341/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$13,904
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,516
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$427/mo
Today · 4.125%
HK$14,364
baseline
▲ 0.50% · 4.625%
HK$15,238
+HK$874/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,728/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,037
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$409/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,769
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$498/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$478/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$641/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$614/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,142 · 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).