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$11,216
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$355/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$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,478
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$339/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,845
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,304/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$426/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$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$408/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$831/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$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$496/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,938
−HK$475/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,826/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$638/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$611/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,387 · 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).