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$11,075
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$350/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,321
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$335/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,671
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,290
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$420/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$402/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$822/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,505
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$490/mo
Today · 4.125%
HK$16,477
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,954/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,249
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$470/mo
Today · 4.125%
HK$18,181
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,362/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$630/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$603/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,180 · 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).