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$11,206
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$354/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,818/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,467
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$340/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$692/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$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,448
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,866
−HK$425/mo
Today · 4.125%
HK$14,291
baseline
▲ 0.50% · 4.625%
HK$15,160
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,582/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$407/mo
Today · 4.125%
HK$15,769
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,538/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$496/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$475/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$637/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,741
+HK$1,305/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$611/mo
Today · 4.125%
HK$23,653
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,306/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,952 · 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).