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$11,217
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$354/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,645
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,478
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$340/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,306/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,879
−HK$425/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$407/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$496/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,470
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$476/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$638/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$611/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,405 · 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).