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$11,065
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$350/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,310
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$335/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$683/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$419/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$401/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$489/mo
Today · 4.125%
HK$16,462
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,924/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,233
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,695
−HK$469/mo
Today · 4.125%
HK$18,164
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,328/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$630/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,157
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$603/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,745 · 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).