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$11,078
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$350/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,546/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,325
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$336/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,294
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$420/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,987
+HK$859/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$403/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,410
+HK$821/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,510
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$490/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,964/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,255
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$470/mo
Today · 4.125%
HK$18,187
baseline
▲ 0.50% · 4.625%
HK$19,145
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,374/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,941
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$630/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$604/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,616
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,343 · 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).