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$11,093
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$351/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,578/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$336/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,693
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$420/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,292/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$403/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$491/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,277
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$470/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,967
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$605/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,234/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,981 · 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).