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$11,067
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$350/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,522/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,312
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$335/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$420/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,226/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,170
−HK$402/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$490/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,236
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$469/mo
Today · 4.125%
HK$18,167
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,334/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$629/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$603/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,825 · 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).