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$11,257
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$356/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,926/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,523
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$341/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$696/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$426/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$874/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$409/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$835/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,760
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$498/mo
Today · 4.125%
HK$16,748
baseline
▲ 0.50% · 4.625%
HK$17,767
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$33,496/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,003
−HK$477/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,454
+HK$974/mo
Deposit HK$1.48M · loan HK$3.46M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$640/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,843
+HK$1,310/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,542
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$613/mo
Today · 4.125%
HK$23,760
baseline
▲ 0.50% · 4.625%
HK$25,012
+HK$1,252/mo
Deposit HK$494K · loan HK$4.44M · min. income ≈ HK$47,520/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$111,077 · 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).