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$11,217
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,566
−HK$355/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,842/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,479
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$339/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,306/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,879
−HK$426/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,610/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,975
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$407/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,704
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$496/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,471
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$476/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,191
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$638/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$611/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,431 · 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).