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$11,221
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$355/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,483
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$340/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,851
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,465
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$425/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,180
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,980
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$408/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,578/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,709
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$496/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,476
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$476/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,392
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$638/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$612/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,588 · 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).