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$11,043
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$349/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,449
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,470/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,285
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$334/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,631
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,898/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,251
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$418/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,939
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,137
−HK$402/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,358
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$488/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,199
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$468/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,877
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,495
−HK$629/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$602/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,536
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,780 · 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).