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$11,099
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$351/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,513
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,590/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,347
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$336/mo
Today · 4.125%
HK$13,015
baseline
▲ 0.50% · 4.625%
HK$13,701
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,030/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,319
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$421/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$404/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,236/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,539
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,022
−HK$491/mo
Today · 4.125%
HK$16,513
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,026/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,286
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$470/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,440/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$631/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$604/mo
Today · 4.125%
HK$23,426
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,852/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,243 · 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).