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$11,044
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,474/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$334/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,633
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,253
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$419/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,744
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$401/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,080/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,462
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$488/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,431
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,201
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$468/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$628/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$601/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,831 · 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).