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$11,283
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$356/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$341/mo
Today · 4.125%
HK$13,230
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,460/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,539
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$427/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$410/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$500/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$478/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$977/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$614/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,256/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,332 · 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).