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$11,063
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$350/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$334/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,276
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$419/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,165
−HK$402/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$490/mo
Today · 4.125%
HK$16,460
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,920/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,231
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,693
−HK$468/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,119
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$629/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$602/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,667 · 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).