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$11,098
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$351/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,588/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$336/mo
Today · 4.125%
HK$13,013
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,026/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,317
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$421/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,304/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$403/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,232/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$491/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$470/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$632/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,291/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$605/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,234/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,187 · 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).