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$11,069
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$350/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,528/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,315
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$335/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,664
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,960/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,696
−HK$420/mo
Today · 4.125%
HK$14,116
baseline
▲ 0.50% · 4.625%
HK$14,975
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,232/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$402/mo
Today · 4.125%
HK$15,576
baseline
▲ 0.50% · 4.625%
HK$16,397
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,152/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,497
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$490/mo
Today · 4.125%
HK$16,469
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,938/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,240
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$469/mo
Today · 4.125%
HK$18,172
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,344/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,925
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$629/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,289/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$603/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,946 · 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).