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$11,242
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$355/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,673
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,506
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$341/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$695/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,909
−HK$427/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,208
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,007
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$408/mo
Today · 4.125%
HK$15,818
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,636/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$497/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$476/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$640/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,812
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$612/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$24,978
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,494 · 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).