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$11,040
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$349/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,464/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,282
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$334/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,628
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,248
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$419/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,158/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,738
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$401/mo
Today · 4.125%
HK$15,534
baseline
▲ 0.50% · 4.625%
HK$16,353
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,068/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,456
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$488/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,425
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$467/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$628/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$602/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,653 · 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).