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$11,101
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$351/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,594/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,349
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$336/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,034/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,321
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,735
−HK$421/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,819
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$403/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,541
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$492/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,521
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,289
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,753
−HK$470/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,184
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,603
−HK$631/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,526
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$605/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,665
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,321 · 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).