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$11,220
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$355/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,482
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$340/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,312/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,463
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$426/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,616/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,978
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$407/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,619
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$496/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,474
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$475/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,389
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,823
−HK$639/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,767
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$612/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,529 · 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).