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$11,197
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,545
−HK$354/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,798/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$338/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,821
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,436
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$425/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$406/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,676
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$496/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$474/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$637/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$610/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,537 · 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).