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$11,104
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$351/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,600/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$336/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$687/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,040/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,824
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$404/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$491/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,294
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$471/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$632/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$605/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,463 · 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).