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$11,057
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$349/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,465
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,500/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$335/mo
Today · 4.125%
HK$12,965
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,930/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,268
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$419/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,200/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$402/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,961
−HK$489/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,220
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$469/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$629/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$603/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,384 · 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).