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$11,223
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$354/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,854/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,486
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$340/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,322/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,887
−HK$426/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,626/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,983
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$408/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,625
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,586/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$496/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,396/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$476/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$971/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,202
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$638/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,077
−HK$612/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,700 · 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).