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$11,204
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$354/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$339/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,276/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,445
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$425/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$869/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$407/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$831/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,174
−HK$495/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$1,015/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,450
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$475/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$637/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,436
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$610/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,849 · 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).