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$11,240
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$356/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,890/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,504
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$341/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$427/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,005
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$409/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$497/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,444/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,975
−HK$477/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$639/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$612/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,417 · 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).