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$11,215
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$355/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,838/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,477
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$339/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,302/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$425/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,972
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$407/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,613
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,702
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$496/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,468
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$476/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$638/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$611/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$24,920
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,347 · 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).