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$11,203
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$354/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,630
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,463
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$339/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,829
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,444
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$425/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,156
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$407/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,685
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$496/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,449
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$475/mo
Today · 4.125%
HK$18,392
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,784/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$637/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$610/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$24,893
+HK$1,247/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,815 · 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).