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$11,225
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$355/mo
Today · 4.125%
HK$11,929
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,858/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,488
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$340/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,324/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$425/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$408/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$496/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$476/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$971/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$639/mo
Today · 4.125%
HK$21,472
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,944/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$612/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$24,941
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,763 · 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).