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$11,086
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$351/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,564/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$336/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,685
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,000/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,304
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$421/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,276/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$403/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,422
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,200/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,521
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$490/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$470/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,159
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$631/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,290/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$604/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,233/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,687 · 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).