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$11,207
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$354/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,820/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,468
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,802
−HK$339/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,282/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,448
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$425/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,161
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,584/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,961
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$407/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,601
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,540/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$496/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$475/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$970/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,173
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$638/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$610/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,983 · 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).