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$11,252
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$355/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,518
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$341/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,890
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,390/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,503
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$427/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$409/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,668
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$497/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$476/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$974/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,834
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$613/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,252/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,975 · 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).