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$11,232
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$355/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,872/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,495
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$340/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$695/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,340/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,478
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$426/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,646/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,994
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$407/mo
Today · 4.125%
HK$15,804
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,608/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$497/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,963
−HK$476/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,410
+HK$971/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$639/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,492
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$612/mo
Today · 4.125%
HK$23,707
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,249/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,414/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,069 · 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).