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$11,094
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$350/mo
Today · 4.125%
HK$11,790
baseline
▲ 0.50% · 4.625%
HK$12,508
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,580/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$336/mo
Today · 4.125%
HK$13,009
baseline
▲ 0.50% · 4.625%
HK$13,695
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,018/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$421/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$15,009
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,296/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,811
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$403/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,434
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,222/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,015
−HK$491/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,279
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$470/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$631/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,514
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$605/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,234/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,043 · 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).