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$11,091
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$351/mo
Today · 4.125%
HK$11,787
baseline
▲ 0.50% · 4.625%
HK$12,504
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,574/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,339
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$335/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,309
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$421/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$860/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$403/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$491/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,505
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,274
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$470/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$960/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$631/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,507
+HK$1,291/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,210
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$605/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,233/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,894 · 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).