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$11,235
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$355/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,880/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,499
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$340/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,869
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,482
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$426/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$408/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,618/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,730
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,219
−HK$497/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,499
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$476/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,417
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,224
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$639/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,308/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,102
−HK$612/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,226 · 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).