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$11,229
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$355/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,866/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,492
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$339/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$695/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$109,923 · 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$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$408/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,720
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$497/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,722
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,488
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,957
−HK$476/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$639/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$612/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,923 · 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).