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$11,210
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,558
−HK$355/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$340/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,837
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,452
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$425/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,590/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$407/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,694
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$496/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,693
+HK$1,015/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,459
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$475/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$970/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$638/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,305/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$611/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,247/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,102 · 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).