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$11,068
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$350/mo
Today · 4.125%
HK$11,762
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,524/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,313
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$335/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,956/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$419/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,228/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$402/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,395
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$490/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,934/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,701
−HK$469/mo
Today · 4.125%
HK$18,170
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,340/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$630/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,882 · 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).