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$11,089
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$351/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,568/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,336
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$335/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,688
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,306
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$421/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$860/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,282/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,803
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,200
−HK$403/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$822/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$490/mo
Today · 4.125%
HK$16,497
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$1,004/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,994/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,270
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$470/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,163
+HK$960/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,959
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$631/mo
Today · 4.125%
HK$21,211
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,291/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,422/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$604/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,234/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,786 · 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).