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$11,205
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$354/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,466
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$339/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,278/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,446
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$425/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,159
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,959
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$407/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$496/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,452
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$475/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$637/mo
Today · 4.125%
HK$21,434
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,868/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,438
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,040
−HK$610/mo
Today · 4.125%
HK$23,650
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,300/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,896 · 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).