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$11,063
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$349/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,472
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,512/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$335/mo
Today · 4.125%
HK$12,972
baseline
▲ 0.50% · 4.625%
HK$13,656
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,944/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,688
−HK$420/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,966
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,768
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$402/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,488
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$490/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,460
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$469/mo
Today · 4.125%
HK$18,161
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,322/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$629/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$602/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,645 · 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).