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$11,097
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$350/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,586/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,172 · 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$104,172 · 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$15,013
+HK$861/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$104,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,212
−HK$403/mo
Today · 4.125%
HK$15,615
baseline
▲ 0.50% · 4.625%
HK$16,438
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,230/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$491/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$1,004/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$104,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,284
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$470/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,178
+HK$960/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$104,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,975
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$631/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$605/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,172 · 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).