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$11,059
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$349/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,303
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$335/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,651
+HK$684/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$419/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$402/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,482
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,964
−HK$489/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,454
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,224
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$469/mo
Today · 4.125%
HK$18,154
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,308/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,905
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$629/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$603/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,469 · 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).