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$11,047
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$349/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,480/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,290
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$335/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,908/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$419/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,176/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,748
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$401/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$489/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,206
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$468/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$629/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,121
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$602/mo
Today · 4.125%
HK$23,317
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,634/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,963 · 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).