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$11,268
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$356/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,950/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,536
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,872
−HK$341/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,522
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$427/mo
Today · 4.125%
HK$14,370
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$874/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,740/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$409/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,776
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$499/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$1,020/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,530/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,550
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$477/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$641/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,311/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$614/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,253/mo
Deposit HK$494K · loan HK$4.45M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,189 · 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).