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$11,267
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$356/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,702
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,948/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,535
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,871
−HK$341/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$13,908
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,521
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$427/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$875/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,042
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$409/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$836/mo
Deposit HK$1.98M · loan HK$2.96M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$498/mo
Today · 4.125%
HK$16,763
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,526/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$478/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,472
+HK$975/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$641/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$614/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,254/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,177 · 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).