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$11,231
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,580
−HK$355/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$727/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,870/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,494
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$340/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,340/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,477
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$425/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$407/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$833/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$497/mo
Today · 4.125%
HK$16,710
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,420/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$476/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,409
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$639/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,307/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$612/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,250/mo
Deposit HK$493K · loan HK$4.43M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,037 · 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).