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$11,245
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$356/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,510
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,845
−HK$340/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$427/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,011
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$409/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$498/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,513
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$477/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$640/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$613/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,632 · 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).