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$11,219
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$355/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,844/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,480
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$340/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,462
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$425/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$408/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,194
−HK$497/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,706
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,473
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$476/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$970/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$639/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,305/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$612/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$24,927
+HK$1,248/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$109,485 · 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).