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$11,071
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,416
−HK$350/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,532/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,317
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,647
−HK$335/mo
Today · 4.125%
HK$12,982
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,964/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,286
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$420/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,978
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,238/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,780
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,177
−HK$402/mo
Today · 4.125%
HK$15,579
baseline
▲ 0.50% · 4.625%
HK$16,400
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,158/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,982
−HK$490/mo
Today · 4.125%
HK$16,472
baseline
▲ 0.50% · 4.625%
HK$17,474
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,944/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,243
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$469/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$630/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$603/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,032 · 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).