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$11,041
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$349/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,466/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,283
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$334/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,892/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,249
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$419/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$856/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,160/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$401/mo
Today · 4.125%
HK$15,536
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$818/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,072/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$488/mo
Today · 4.125%
HK$16,426
baseline
▲ 0.50% · 4.625%
HK$17,426
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,852/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,196
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,657
−HK$468/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$628/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$601/mo
Today · 4.125%
HK$23,303
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,606/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,687 · 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).