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$11,050
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$349/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,293
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$334/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,640
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$419/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,184/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,752
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,148
−HK$401/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$488/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,211
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$468/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$629/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$602/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,104 · 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).