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$11,219
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$355/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$339/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,463
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$425/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$407/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,619
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$497/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,942
−HK$475/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$639/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$612/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,506 · 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).