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$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$349/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,293
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$334/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$419/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,182/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,752
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$402/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$489/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,210
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$468/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$628/mo
Today · 4.125%
HK$21,137
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,274/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,127
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$602/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,229/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,094 · 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).