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$11,249
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$355/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$728/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,908/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,514
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$341/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,886
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,499
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$426/mo
Today · 4.125%
HK$14,345
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,690/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$409/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,749
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$497/mo
Today · 4.125%
HK$16,736
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$1,019/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,472/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,520
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,990
−HK$477/mo
Today · 4.125%
HK$18,467
baseline
▲ 0.50% · 4.625%
HK$19,440
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,934/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$640/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$613/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,252/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,825 · 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).