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$11,081
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$350/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$717/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,550/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$335/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,678
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$420/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,990
+HK$860/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,792
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$403/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$821/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,513
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$491/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$469/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,149
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$631/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$603/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,435 · 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).