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$11,086
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$350/mo
Today · 4.125%
HK$11,781
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,562/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$336/mo
Today · 4.125%
HK$12,999
baseline
▲ 0.50% · 4.625%
HK$13,684
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,998/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,303
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$420/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,997
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,799
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$403/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,198/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$490/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$470/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$631/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,290/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$604/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,234/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,661 · 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).