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$11,198
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$354/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,457
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$339/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,437
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$425/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,560/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,949
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$406/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,677
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$496/mo
Today · 4.125%
HK$16,660
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,320/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$475/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,352
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,156
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$637/mo
Today · 4.125%
HK$21,420
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,840/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$610/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,574 · 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).