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$11,047
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,390
−HK$349/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$715/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,478/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,289
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$334/mo
Today · 4.125%
HK$12,953
baseline
▲ 0.50% · 4.625%
HK$13,636
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,906/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$419/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$401/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,465
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$489/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$468/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,090
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$629/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,121
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$602/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,947 · 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).