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$11,098
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$351/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,588/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,678
−HK$336/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,028/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,318
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$421/mo
Today · 4.125%
HK$14,153
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,306/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$403/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,232/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$491/mo
Today · 4.125%
HK$16,512
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,024/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,749
−HK$470/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$631/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$604/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,659
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,203 · 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).