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$11,220
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$355/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$725/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,848/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,482
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,817
−HK$340/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,850
+HK$693/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,314/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,464
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$426/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$870/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$407/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$832/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$497/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,709
+HK$1,015/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,475
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$476/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$971/mo
Deposit HK$1.48M · loan HK$3.44M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,197
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$638/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,306/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$611/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,565 · 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).