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$11,202
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$354/mo
Today · 4.125%
HK$11,905
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,810/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,462
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$339/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,272/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$425/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,572/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$407/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,526/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,683
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$496/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$475/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,164
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$638/mo
Today · 4.125%
HK$21,429
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,858/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,432
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,034
−HK$610/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$24,891
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,774 · 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).