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$11,093
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$351/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,578/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$336/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$686/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,312
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$421/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$860/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$402/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$823/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$973/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$490/mo
Today · 4.125%
HK$16,504
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,008/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,278
−HK$933/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$470/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$960/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$604/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,234/mo
Deposit HK$486K · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,992 · 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).