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$11,053
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$349/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,492/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,296
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,626
−HK$334/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,644
+HK$684/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,920/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,263
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$419/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$858/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$401/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,372
+HK$820/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,474
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$489/mo
Today · 4.125%
HK$16,444
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$1,001/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,888/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,214
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$469/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$629/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,286/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,727
−HK$602/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,229/mo
Deposit HK$485K · loan HK$4.36M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$102,215 · 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).