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$11,214
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$354/mo
Today · 4.125%
HK$11,917
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,834/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$339/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,842
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,456
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$425/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,170
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$407/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,611
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$496/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,368/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,465
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$475/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,818/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,185
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$637/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$611/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,275 · 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).