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$11,102
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$351/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$718/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,596/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,351
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$336/mo
Today · 4.125%
HK$13,018
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,036/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,736
−HK$421/mo
Today · 4.125%
HK$14,157
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,314/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$403/mo
Today · 4.125%
HK$15,621
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,242/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$491/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,291
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$471/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$631/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,528
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$605/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$104,363 · 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).