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$11,045
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$349/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,474/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,287
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$334/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,902/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$419/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,170/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,745
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$401/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$488/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,864/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,202
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$468/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,087
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$628/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$602/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,862 · 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).