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$11,094
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$350/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,578/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$335/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$421/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$403/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$491/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,010/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,742
−HK$470/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$631/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,291/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$604/mo
Today · 4.125%
HK$23,415
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,234/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,830/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,008 · 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).