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$11,280
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$357/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$729/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,976/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,549
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$341/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$697/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$428/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$876/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,059
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$410/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$836/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$499/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,804
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,569
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$478/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,494
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$642/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,313/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,589
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$615/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,307 · 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).