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$11,055
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$349/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,496/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,299
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$335/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,646
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$419/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$402/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,477
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,958
−HK$489/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,680
−HK$468/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$629/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$602/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,312 · 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).