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$11,271
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$357/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,956/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,539
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$341/mo
Today · 4.125%
HK$13,216
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,525
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$427/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$409/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$499/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$478/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$614/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,214 · 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).