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$11,255
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$356/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,922/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,521
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$340/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$13,893
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$427/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,706/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$409/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,247
−HK$498/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$477/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$640/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,538
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$613/mo
Today · 4.125%
HK$23,755
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,253/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,510/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,056 · 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).