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$11,079
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$350/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,325
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$335/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$421/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$859/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,258/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$403/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$821/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,180/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$490/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$470/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$630/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$603/mo
Today · 4.125%
HK$23,384
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,768/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,371 · 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).