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$11,062
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$350/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,306
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$335/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,942/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,274
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$420/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,767
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$402/mo
Today · 4.125%
HK$15,565
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,130/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,487
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$490/mo
Today · 4.125%
HK$16,458
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,916/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,229
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$468/mo
Today · 4.125%
HK$18,159
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,318/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,911
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$629/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,447
+HK$1,287/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$603/mo
Today · 4.125%
HK$23,348
baseline
▲ 0.50% · 4.625%
HK$24,579
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,696/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,614 · 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).