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$11,200
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$354/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,804/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,459
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$339/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,264/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,439
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$425/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,951
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$407/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,518/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,679
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$496/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,676
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$474/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$970/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,159
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$637/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$610/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,652 · 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).