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$11,226
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$355/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,489
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$340/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$426/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$407/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,717
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$496/mo
Today · 4.125%
HK$16,702
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,404/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$475/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$638/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$612/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,821 · 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).