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$11,213
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$354/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,832/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$340/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,842
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,456
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$426/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,170
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$407/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,610
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,698
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$496/mo
Today · 4.125%
HK$16,683
baseline
▲ 0.50% · 4.625%
HK$17,698
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,366/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,464
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,933
−HK$475/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,378
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$637/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,755
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,454
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$611/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,253 · 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).