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$11,232
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,582
−HK$355/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,663
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,496
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,831
−HK$340/mo
Today · 4.125%
HK$13,171
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,342/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,898
−HK$426/mo
Today · 4.125%
HK$14,324
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,648/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,995
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$408/mo
Today · 4.125%
HK$15,805
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,610/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$497/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,494
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$476/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,411
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,218
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$639/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,793
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,492
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,957
+HK$1,249/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,090 · 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).