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$11,200
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$354/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,804/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$339/mo
Today · 4.125%
HK$13,133
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,266/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,440
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$425/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$406/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,518/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,680
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$496/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,443
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$475/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$610/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,663 · 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).