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$11,223
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$355/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,652
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,854/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,485
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$340/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,320/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,467
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$426/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,624/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$408/mo
Today · 4.125%
HK$15,792
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,584/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,712
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,201
−HK$496/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$476/mo
Today · 4.125%
HK$18,424
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$971/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,848/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,201
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$638/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$612/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,678 · 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).