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$11,239
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,588
−HK$356/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,888/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,503
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,838
−HK$341/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,487
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$426/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,004
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$408/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,734
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$497/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,442/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$476/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$640/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$613/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,250/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,379 · 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).