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$11,039
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$349/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,462/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,280
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$334/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,626
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$419/mo
Today · 4.125%
HK$14,077
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,154/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,736
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$401/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,454
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$488/mo
Today · 4.125%
HK$16,423
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,846/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,654
−HK$467/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,870
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$628/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,105
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$601/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,598 · 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).