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$11,227
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$355/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$726/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,862/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$339/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$694/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,472
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$426/mo
Today · 4.125%
HK$14,317
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$871/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$28,634/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,988
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,390
−HK$407/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$833/mo
Deposit HK$1.97M · loan HK$2.95M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$497/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$1,016/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,486
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$475/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$972/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$638/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,307/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,481
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$612/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,249/mo
Deposit HK$492K · loan HK$4.43M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$109,848 · 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).