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$11,097
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$351/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,586/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,345
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$336/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,316
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$421/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$15,012
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,302/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,814
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$403/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,438
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,019
−HK$491/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,283
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$470/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$631/mo
Today · 4.125%
HK$21,227
baseline
▲ 0.50% · 4.625%
HK$22,518
+HK$1,291/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,454/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,221
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$605/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,656
+HK$1,234/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,147 · 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).