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$11,103
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$351/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,598/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,352
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$336/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,038/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,738
−HK$421/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,318/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,822
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$403/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$492/mo
Today · 4.125%
HK$16,519
baseline
▲ 0.50% · 4.625%
HK$17,524
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,038/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$471/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$631/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,530
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,829
−HK$605/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,669
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,408 · 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).