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$11,057
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$350/mo
Today · 4.125%
HK$11,751
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,502/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,301
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,631
−HK$335/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,649
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,932/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,269
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$419/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,202/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$402/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,480
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$489/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,902/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,222
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,684
−HK$468/mo
Today · 4.125%
HK$18,152
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$957/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,304/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$629/mo
Today · 4.125%
HK$21,152
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,287/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,304/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$603/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,230/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,421 · 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).