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$11,198
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$354/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,802/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,458
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$339/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$425/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,562/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$406/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,588
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,514/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,165
−HK$496/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,441
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$475/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$637/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$610/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,600 · 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).