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$11,081
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$350/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,552/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,328
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$336/mo
Today · 4.125%
HK$12,994
baseline
▲ 0.50% · 4.625%
HK$13,679
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,988/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,298
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$420/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$403/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,415
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,514
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$491/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,259
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$469/mo
Today · 4.125%
HK$18,191
baseline
▲ 0.50% · 4.625%
HK$19,150
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,382/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$630/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,290/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$604/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,467 · 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).