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$11,085
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$350/mo
Today · 4.125%
HK$11,780
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,560/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,332
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$336/mo
Today · 4.125%
HK$12,999
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,998/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,716
−HK$421/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,997
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,799
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$402/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,196/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,002
−HK$491/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,496
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,265
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$470/mo
Today · 4.125%
HK$18,198
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,396/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$631/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,290/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,198
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$604/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,631
+HK$1,234/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,644 · 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).