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$11,226
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,575
−HK$355/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,488
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,823
−HK$340/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$425/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$872/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,630/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,986
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$408/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,716
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$496/mo
Today · 4.125%
HK$16,701
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$1,017/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,402/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,484
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$475/mo
Today · 4.125%
HK$18,428
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,856/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$638/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$612/mo
Today · 4.125%
HK$23,694
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,388/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,797 · 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).