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$11,211
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$354/mo
Today · 4.125%
HK$11,914
baseline
▲ 0.50% · 4.625%
HK$12,639
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,828/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,472
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$339/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,839
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,292/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,453
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,872
−HK$425/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,167
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,594/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$407/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,696
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$496/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$1,015/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$475/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,375
+HK$970/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$638/mo
Today · 4.125%
HK$21,446
baseline
▲ 0.50% · 4.625%
HK$22,751
+HK$1,305/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$42,892/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,450
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$611/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$24,910
+HK$1,247/mo
Deposit HK$492K · loan HK$4.42M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,165 · 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).