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$11,215
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$355/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,476
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$339/mo
Today · 4.125%
HK$13,150
baseline
▲ 0.50% · 4.625%
HK$13,843
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,300/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,457
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$425/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,971
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$407/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$496/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,466
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$475/mo
Today · 4.125%
HK$18,410
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,820/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$638/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,757
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$611/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,310 · 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).