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$11,234
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$355/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,876/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,497
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$340/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,346/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,480
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$426/mo
Today · 4.125%
HK$14,326
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$871/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,652/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,997
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,399
−HK$408/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,727
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$497/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,426/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$476/mo
Today · 4.125%
HK$18,442
baseline
▲ 0.50% · 4.625%
HK$19,414
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,884/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$639/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,495
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$612/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,249/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,150 · 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).