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$11,042
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$349/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,468/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,284
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$334/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,630
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$419/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$856/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,162/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,740
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$401/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$488/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$468/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,875
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$628/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$602/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,723 · 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).