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$11,104
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$351/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,602/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,354
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$336/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$421/mo
Today · 4.125%
HK$14,161
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,322/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,824
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$403/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,449
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$491/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,295
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$470/mo
Today · 4.125%
HK$18,229
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,458/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$631/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,534
+HK$1,293/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$605/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,673
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,479 · 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).