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$11,228
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$355/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,658
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,491
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$340/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,332/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$426/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,989
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$408/mo
Today · 4.125%
HK$15,799
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,598/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,719
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$497/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,488
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$475/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,839
−HK$639/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,785
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,484
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,087
−HK$612/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$24,948
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,908 · 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).