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$693/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$349/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$716/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$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$335/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,657
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,276
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$420/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,218/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,770
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$402/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,136/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,489
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$489/mo
Today · 4.125%
HK$16,460
baseline
▲ 0.50% · 4.625%
HK$17,462
+HK$1,002/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$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,231
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,693
−HK$469/mo
Today · 4.125%
HK$18,162
baseline
▲ 0.50% · 4.625%
HK$19,120
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,324/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$629/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$602/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,687 · 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).