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$11,197
−HK$703/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$108,559 · 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$13,822
+HK$692/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$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,437
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$424/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$407/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$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,676
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$495/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,673
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,440
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$474/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$637/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,304/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$610/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$24,880
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,559 · 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).