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$11,061
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$350/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,510/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,305
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,636
−HK$334/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,654
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,940/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,273
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$420/mo
Today · 4.125%
HK$14,106
baseline
▲ 0.50% · 4.625%
HK$14,964
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,212/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,767
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$401/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,385
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,128/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,486
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$490/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,458
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,228
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$468/mo
Today · 4.125%
HK$18,158
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,316/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$630/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,287/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$603/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,230/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,587 · 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).