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$11,237
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$355/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,501
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,836
−HK$340/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,352/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,484
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$426/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$408/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$498/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,970
−HK$476/mo
Today · 4.125%
HK$18,446
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,892/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$639/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,308/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$613/mo
Today · 4.125%
HK$23,717
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,434/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,275 · 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).