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$11,054
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$350/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,494/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,297
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$334/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,645
+HK$684/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,922/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,264
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,677
−HK$419/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,192/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,756
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$402/mo
Today · 4.125%
HK$15,554
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,108/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,475
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$489/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,216
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,677
−HK$469/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,102
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$629/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$602/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,560
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,251 · 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).