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$11,056
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$350/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,498/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,299
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,629
−HK$335/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,647
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,928/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$420/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,759
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$401/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,478
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$489/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,219
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$468/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,106
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,900
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$629/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,435
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$603/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,565
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,337 · 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).