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$11,233
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$355/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,876/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,497
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$340/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,480
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$426/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,650/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,996
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$408/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$497/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,426/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$476/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$639/mo
Today · 4.125%
HK$21,488
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,976/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$612/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,249/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,130 · 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).