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$11,079
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$350/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$336/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,676
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$420/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,258/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,791
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$402/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,180/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$490/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,487
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,968/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,256
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$469/mo
Today · 4.125%
HK$18,188
baseline
▲ 0.50% · 4.625%
HK$19,147
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,376/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$631/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$604/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,385 · 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).