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$11,064
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$350/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,516/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,309
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,639
−HK$335/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,948/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,277
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$420/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$402/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,490
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$489/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,232
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$469/mo
Today · 4.125%
HK$18,163
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,326/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$629/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,156
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$603/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,718 · 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).