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$11,052
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$349/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,460
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,490/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,295
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$335/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,643
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,920/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$419/mo
Today · 4.125%
HK$14,094
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,188/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,150
−HK$401/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$489/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,213
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,675
−HK$468/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$628/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,725
−HK$602/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,185 · 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).