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$11,060
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$350/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$715/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$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$335/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,653
+HK$684/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,272
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$419/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$859/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$402/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$489/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,456
+HK$1,001/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,226
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$469/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$957/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$630/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,287/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$602/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,231/mo
Deposit HK$485K · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$102,537 · 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).