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$11,076
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$350/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,540/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,322
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$335/mo
Today · 4.125%
HK$12,987
baseline
▲ 0.50% · 4.625%
HK$13,672
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,974/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$860/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$402/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,988
−HK$491/mo
Today · 4.125%
HK$16,479
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,958/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,250
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,713
−HK$469/mo
Today · 4.125%
HK$18,182
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,364/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$630/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,179
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$603/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,228 · 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).