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$11,222
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,571
−HK$354/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,484
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$339/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,852
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$425/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,981
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$407/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,710
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$497/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$476/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$639/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$611/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,624 · 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).