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$11,046
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$349/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,476/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,288
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$334/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,635
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$419/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$402/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,086/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,464
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$489/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,665
−HK$468/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$628/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$602/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,906 · 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).