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$11,224
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$355/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,856/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,487
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$340/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$693/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$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$426/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$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$408/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,714
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$496/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,482
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$475/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,832
−HK$639/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,079
−HK$612/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,741 · 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).