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$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$350/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$335/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,300
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$420/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,268/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,796
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,193
−HK$403/mo
Today · 4.125%
HK$15,596
baseline
▲ 0.50% · 4.625%
HK$16,418
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,192/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,517
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$491/mo
Today · 4.125%
HK$16,490
baseline
▲ 0.50% · 4.625%
HK$17,493
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,980/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$470/mo
Today · 4.125%
HK$18,195
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,390/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$630/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,290/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,790
−HK$603/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,627
+HK$1,234/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,562 · 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).