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$11,208
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$355/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,822/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,469
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$339/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,835
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,284/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,449
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$425/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,163
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$407/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,691
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,179
−HK$496/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$1,015/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,456
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$475/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,369
+HK$970/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$637/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,305/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$611/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,018 · 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).