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$11,199
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$354/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,802/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,459
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$339/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,824
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,264/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,439
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$424/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,562/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$407/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$495/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$474/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$637/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$610/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,621 · 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).