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$11,049
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,393
−HK$349/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,484/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$334/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,912/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,259
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$419/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$401/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,469
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,950
−HK$489/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,439
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,209
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$469/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$629/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,422
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,126
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$602/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,229/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,054 · 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).