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$11,106
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$351/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,521
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,606/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,687
−HK$336/mo
Today · 4.125%
HK$13,023
baseline
▲ 0.50% · 4.625%
HK$13,710
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,046/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,327
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$421/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,827
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$404/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,452
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,549
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$492/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,048/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,298
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$470/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,193
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$632/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,293/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$605/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,562 · 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).