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$11,072
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$349/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,532/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,318
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$335/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,667
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,966/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,287
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$420/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,979
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,240/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,781
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$402/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,501
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,983
−HK$490/mo
Today · 4.125%
HK$16,473
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,946/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,245
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$469/mo
Today · 4.125%
HK$18,176
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,352/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$630/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,288/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$604/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,231/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,066 · 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).