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$11,074
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$350/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,320
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$336/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,289
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,702
−HK$420/mo
Today · 4.125%
HK$14,122
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$860/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,244/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,784
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$403/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$821/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,504
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$490/mo
Today · 4.125%
HK$16,476
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,952/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,248
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$470/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,138
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,934
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$630/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$603/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,156 · 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).