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$11,218
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$354/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,842/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,480
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$340/mo
Today · 4.125%
HK$13,154
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,308/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$426/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,976
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$408/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,705
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$497/mo
Today · 4.125%
HK$16,690
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,380/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$476/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,192
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$638/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$611/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,454 · 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).