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$11,095
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$351/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,508
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,582/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,343
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$336/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,314
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$421/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$15,010
+HK$861/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,298/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,812
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$403/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,533
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$491/mo
Today · 4.125%
HK$16,507
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,014/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,280
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$470/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,428/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,971
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,592
−HK$631/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,217
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$605/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,234/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,064 · 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).