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$11,061
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$349/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,508/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,305
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$335/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$683/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,940/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,273
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$419/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$402/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,128/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,485
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$489/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$469/mo
Today · 4.125%
HK$18,158
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,316/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$629/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,287/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$603/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,230/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,565 · 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).