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$11,269
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$356/mo
Today · 4.125%
HK$11,976
baseline
▲ 0.50% · 4.625%
HK$12,705
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,952/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,537
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,873
−HK$341/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,523
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$427/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,246
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,044
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$409/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,777
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,268
−HK$499/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,787
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,534/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$477/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,475
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,000/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$641/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,869
+HK$1,312/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,567
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$614/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,199 · 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).