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$11,258
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$355/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,926/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,524
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,860
−HK$340/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,509
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$427/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,712/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,029
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$409/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,682/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$498/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$477/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,264
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,894
−HK$640/mo
Today · 4.125%
HK$21,534
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,311/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,068/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,543
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$613/mo
Today · 4.125%
HK$23,761
baseline
▲ 0.50% · 4.625%
HK$25,013
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,522/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,082 · 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).