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$11,227
−HK$705/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$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$340/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,473
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,892
−HK$426/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,189
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,989
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$407/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$497/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,721
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,487
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$475/mo
Today · 4.125%
HK$18,431
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,862/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$639/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,483
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$612/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,879 · 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).