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$703/mo
▼ 0.25% · 3.875%
HK$11,549
−HK$354/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$339/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,268/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,440
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$424/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$407/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$496/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,444
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$475/mo
Today · 4.125%
HK$18,387
baseline
▲ 0.50% · 4.625%
HK$19,356
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,774/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,161
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$637/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,729
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,429
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$610/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,691 · 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).