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$11,196
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$354/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$724/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$23,796/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$339/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,821
+HK$692/mo
Deposit HK$2.46M · loan HK$2.46M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,435
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$425/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$406/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$496/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,671
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,438
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$474/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,349
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$637/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$610/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$108,506 · 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).