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$11,060
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$349/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$335/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$683/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,272
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$419/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$401/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$490/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$469/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$629/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,287/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$603/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,230/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,524 · 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).