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$11,238
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$355/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,502
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$340/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,872
+HK$695/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,354/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,485
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$426/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,002
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$409/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$497/mo
Today · 4.125%
HK$16,719
baseline
▲ 0.50% · 4.625%
HK$17,737
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,438/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,502
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$476/mo
Today · 4.125%
HK$18,448
baseline
▲ 0.50% · 4.625%
HK$19,421
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,896/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$639/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,107
−HK$612/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,250/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,324 · 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).