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$11,068
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$350/mo
Today · 4.125%
HK$11,762
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,524/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,313
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$335/mo
Today · 4.125%
HK$12,978
baseline
▲ 0.50% · 4.625%
HK$13,662
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,956/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,281
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$420/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,228/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,775
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$402/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$490/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$469/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$630/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,757
−HK$603/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,863 · 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).