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$11,083
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$351/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,556/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$335/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,680
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,299
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$420/mo
Today · 4.125%
HK$14,133
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,266/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$402/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$822/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$491/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,261
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$469/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,949
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$631/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,489
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$604/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$103,522 · 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).