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$11,059
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$350/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$715/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,506/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$334/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,652
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,271
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$420/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$402/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$489/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,225
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,687
−HK$469/mo
Today · 4.125%
HK$18,156
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,312/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$629/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,288/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$603/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,230/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,510 · 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).