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$11,284
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$356/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$730/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,982/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,553
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$341/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$698/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,540
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$875/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$409/mo
Today · 4.125%
HK$15,877
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$837/mo
Deposit HK$1.98M · loan HK$2.97M · min. income ≈ HK$31,754/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$499/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$1,021/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$478/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$976/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$642/mo
Today · 4.125%
HK$21,584
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,314/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$43,168/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,201
−HK$615/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,255/mo
Deposit HK$495K · loan HK$4.45M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$606K (deposit + AVD stamp duty HK$111,340 · 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).