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$11,066
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$350/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,475
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,520/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,311
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$335/mo
Today · 4.125%
HK$12,976
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,952/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$420/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$402/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$490/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,235
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$469/mo
Today · 4.125%
HK$18,166
baseline
▲ 0.50% · 4.625%
HK$19,123
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,332/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,918
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$629/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,455
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$603/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,786 · 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).