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$11,103
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,449
−HK$351/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,600/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,352
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$336/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,706
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,040/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,324
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$404/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$492/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,525
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,293
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$471/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$631/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,293/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,234
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$605/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,436 · 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).