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$11,048
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$349/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,482/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$334/mo
Today · 4.125%
HK$12,955
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,910/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$419/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$401/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,468
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$489/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,208
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,669
−HK$468/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$628/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$602/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,022 · 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).